Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Experian Dispute Department [ Experian Address ] [ City, State, ZIP Code ] Subject : Dispute of Erroneous Information on Credit Report Dear Sir/Madam , I am writing to formally dispute and request the immediate removal of multiple hard inquiries listed on my credit report. Upon reviewing my credit file, I discovered that these inquiries were made under false pretenses and have significantly impacted my financial well-being. 

Furthermore, I would like to bring to your attention the inaccurate reporting by XXXX XXXX on my credit report. The company has falsely reported late payments, despite having made payments as per the agreed-upon schedule. I possess documented evidence in the form of email receipts that clearly display the payment dates. 

In addition to the aforementioned discrepancies, I am deeply concerned about the reinsertion of the XXXX XXXX account on my credit report. Despite providing substantial evidence, including a police report, Social Security details, drivers license, and a fraud report, the credit bureaus have failed to rectify this error. 

Moreover, the impact of these inaccuracies has been far-reaching. Not only have I experienced repeated denials for credit, but I have also faced denials for insurance coverage, rendering me unable to insure a newly acquired vehicle. This has directly affected my ability to work and maintain a stable living situation, leading to homelessness. 

I have diligently cooperated by providing extensive information and documentation upon request. However, despite my efforts and compliance, I continue to face this ordeal daily, with XXXX unjustly blacklisting me due to the association with the XXXX XXXX account. This unwarranted blacklisting has further hindered my access to financial stability and residence. 

The toll on my XXXX XXXX has been severe, considering the distress caused by this situation. Its unacceptable that despite promises to rectify the errors, the credit bureaus continue to neglect my case, leaving me in a precarious and unjust situation. 

I demand an immediate and conclusive resolution to these matters. Your failure to rectify these errors has perpetuated undue hardships on my life. I require a detailed explanation of the investigative process that fails to identify the discrepancies in account names, which clearly do not correspond to my identity. 

Enclosed are copies of the evidence and documentation supporting my claims. I implore you to thoroughly review this information and promptly rectify the errors on my credit report. 

Please acknowledge receipt of this dispute letter and initiate a comprehensive investigation to address these issues with urgency. Your swift action in correcting these errors is imperative to restoring my financial integrity and mental well-being. 

I earnestly anticipate a swift and definitive resolution to these pressing matters. 

Sincerely, The light that's coming to get back everything in the darkness stole

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