Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: OH
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 express my profound frustration and dissatisfaction with the handling of my credit report by your agency, as well as the multiple unsuccessful attempts to rectify several inaccuracies that have substantially impacted my creditworthiness. 

As a responsible consumer, I have consistently monitored my credit report to ensure its accuracy and completeness. However, my recent experiences with your agency have fallen short of my expectations, and I believe there have been numerous violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX, XXXX, OH, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX - My credit report contains multiple addresses that I have never resided at. These inaccurate addresses not only misrepresent my credit history but also raise concerns about identity theft and the security of my personal information. 
XXXXXXXX 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 There are accounts listed on my credit report that were included in a bankruptcy filing. These accounts should reflect the bankruptcy status, but they continue to be reported as active and in collections, which is not accurate and harms my creditworthiness. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Your agency reports several accounts in collections and public records that I believe are not valid or have been inaccurately reported. I have not received adequate verification or validation of these debts despite multiple requests. This has had a detrimental impact on my credit profile and financial stability. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - I have noticed unauthorized inquiries on my credit report that I did not authorize or initiate. These inquiries have occurred without my consent and have the potential to damage my credit profile. 

I have made numerous attempts to resolve these issues by contacting your agency through various means, including phone calls and written correspondence. Unfortunately, my efforts have been met with delays, unresponsiveness, and a lack of transparency. This extended process has caused me significant stress and has hindered my ability to secure essential credit facilities. 

Under the FCRA, it is my right to have an accurate and up-to-date credit report. Therefore, I kindly request the following actions to address these issues promptly : Thoroughly investigate and verify the accuracy of the addresses, accounts included in bankruptcies, collections, public records, and inquiries on my credit report. 

Remove any inaccurate information from my credit report, including the aforementioned addresses, accounts that have been discharged through bankruptcy, collections, public records, and unauthorized inquiries.

Provide written documentation of the results of your investigation, along with a revised copy of my credit report reflecting the necessary corrections.

Clearly communicate with me about any actions taken and provide a timeline for resolution.

Failure to address these concerns promptly and in accordance with the FCRA may compel me to seek legal remedies to rectify these inaccuracies, including pursuing damages for any harm caused to my credit profile and personal finances. 

I have enclosed copies of relevant documents, such as correspondence, proof of bankruptcy filings, and evidence of unauthorized inquiries, to support my case.

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