Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to file a formal complaint regarding inaccuracies, charge-offs, late closures, and continuous inquiries that have been reported on my credit report, and I request their immediate removal. I am deeply concerned about the negative impact these inaccuracies have had on my creditworthiness and financial standing. 

I have identified the following issues on my credit report, which I believe require immediate attention : It has come to my attention that several inaccurate addresses are listed on my credit report. These addresses have never been associated with me, and their presence on my report is not only misleading but also raises concerns about potential identity theft. I request that all incorrect addresses be promptly removed from my credit report. 

My credit report indicates several charge-offs that are inaccurate or outdated. I have diligently worked to resolve outstanding debts, and some of these inaccuracies have already been addressed with the creditors involved. I request that the inaccurate charge-offs be updated or removed from my credit report to reflect the correct status of these accounts. 


There are accounts on my credit report that have been reported as " late closed. '' This status is not accurate, and it unfairly affects my credit score and ability to secure credit. I request that the status of these accounts be corrected to accurately reflect their closure status.

I have noticed multiple inquiries on my credit report that have been reported continuously. These inquiries may be harming my credit score and financial prospects. I request an investigation into the legitimacy and necessity of these inquiries, and any unauthorized or unjustified inquiries be removed from my credit report.

I understand the importance of an accurate credit report in determining my financial stability and credibility. In light of the issues mentioned above, I kindly request that you conduct a thorough investigation into the inaccuracies outlined in this letter and take the necessary steps to rectify them.

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and a copy of my updated credit report reflecting the corrections made. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. The following items should be removed by the credit bureaus immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation