Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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 the persistent inaccuracies on my credit report, specifically related to incorrect addresses, late closure, charge-off, and unauthorized inquiries. Despite my repeated attempts to rectify these issues, they continue to negatively impact my creditworthiness and financial standing. 

I have identified the following issues on my credit report that have yet to be addressed : 1. My credit report displays several inaccurate addresses that have never been associated with me. The presence of these erroneous addresses on my credit report is both misleading and raises concerns about potential identity theft. I have previously requested their removal, but they persist. I insist that all incorrect addresses be promptly removed from my credit report. 


2. Accounts on my credit report are listed as " late closed, '' which is not accurate. This misrepresentation unfairly affects my credit score and ability to secure credit. I have previously disputed this, but the issue remains unresolved. I request the status of these accounts be corrected to accurately reflect their closure status. 

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 My credit report inaccurately indicates several charge-offs that are either outdated or simply incorrect.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

4. I have noticed multiple unauthorized inquiries on my credit report that continue to be reported. These inquiries may be harming my credit score and financial prospects. Despite disputing their legitimacy, they remain on my report. I request an investigation into the necessity and validity of these inquiries, and any unauthorized or unjustified inquiries be removed from my credit report.

Maintaining an accurate credit report is essential for determining my financial stability and credibility. I have taken all necessary steps, provided documentation, and adhered to the dispute resolution process, but these issues persist. This situation is frustrating and has a severe impact on my financial well-being. 

I kindly request that you conduct an immediate and thorough investigation into the inaccuracies outlined in this letter and take the necessary steps to rectify them promptly. 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. Kindly assist me to remove these following fraudulent items : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX  XXXX XX/XX/XXXXXXXX

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