Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to formally file a complaint against Experian, XXXX, and XXXX for multiple violations of the Fair Credit Reporting Act and my consumer rights. The credit bureaus have failed to investigate identity theft, block accounts under Section 605B, address inaccuracies on my credit report within the required timeframe, and delete erroneous information as mandated by 15 US Code 1681.

Despite my repeated attempts to report and rectify the inaccuracies on my credit report, the credit bureaus have neglected their responsibilities to investigate identity theft issues and failed to take necessary actions to correct the errors. In the case of XXXX, they have even refused to accept my dispute letters and evidence, further exacerbating the situation. 

The following accounts require immediate blocking and/or deletion due to their inaccuracy : [ List the specific accounts with inaccurate information here ] I have submitted all necessary information regarding these inaccuracies for XXXX consecutive months, as required by law. The credit bureaus ' failure to address these issues not only violates my consumer rights but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and ensure that Experian, XXXX, and XXXX comply with the Fair Credit Reporting Act. I urge the bureau to take necessary actions to rectify these violations and hold the credit bureaus accountable for their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution to restore the accuracy of my credit report. 

Thank you for your time Sincerely, XXXX XXXX XXXX The following accounts require immediate blocking and/or deletion due to their inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX XXXX : XX/XX/XXXX To whom it may concern, Accurate reporting is the duty of every organization, including credit bureaus. You would be endangering the lives of people who rely on your reports if you strayed from this course. Every little thing matters, and any unaddressed discrepancy can have a profound impact on people 's lives. Information providers are supposed to be extremely watchful and to leave no space for error. That assumption, though, is called into question by some anomalies I discovered while writing my report. 

Not only do these results cast doubt on the system, but they also make it clear that changes must be made right away. Beyond concerns, these inaccuracies suggest the possibility of issues that require thorough investigation. Addressing these oversights is not about correcting one error ; it is about reinforcing a culture of diligence, responsibility, and integrity principles that should form the foundation of any financial reporting institution. 

I want to emphasize that every stakeholder in the credit ecosystem plays a role, in shaping the futures of countless individuals. Minor missteps can have a ripple effect. Let us consider this moment as an opportunity to reassess and recalibrate for a future where compliance and accuracy are prioritized. 

I'm challenging inaccurate personal information listed below. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate accounts listed below. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN XXXX XXXX XXXX : XX/XX/XXXX To whom it may concern , Ensuring accurate reporting is a responsibility of every organization, including credit bureaus. The safety of people who rely on your reports would be compromised if you deviated from this course. Every little thing matters, and any unaddressed discrepancy can have a profound impact on people 's lives. It is expected that those who provide information would be extra vigilant leaving no room, for oversight. However, I have come across anomalies in my report that raise doubts about this assumption. 

These findings not only shake my confidence in the system but also highlight the urgent need for corrections to be made. Beyond concerns, these inaccuracies suggest the possibility of issues that require thorough investigation. Addressing these oversights is not about correcting one error ; it is about reinforcing a culture of diligence, responsibility, and integrity principles that should form the foundation of any financial reporting institution. 

I want to emphasize that every stakeholder in the credit ecosystem plays a role, in shaping the futures of countless individuals. Errors of a minor nature can cause bigger problems. Let us consider this moment as an opportunity to reassess and recalibrate for a future where compliance and accuracy are prioritized. 

I'm challenging inaccurate personal information listed below. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate public records listed below. 

XXXXXXXX XXXX XXXX XXXX  XXXX I'm challenging inaccurate accounts listed below. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX 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 XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Experian 's National Consumer Assistance XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX To whom it may concern, It is the duty of every organization, including credit bureaus, to guarantee accurate reporting XXXX To deviate from this course would be to endanger the safety of those who rely on your reports. Any overlooked inconsistency could have serious repercussions on people 's lives because every detail matters. Information providers are expected to exercise extra caution and leave no space for oversight. That assumption, though, is called into question by some anomalies I discovered while writing my report. 

These results undercut my faith in the system and demonstrate how urgently changes must be made. Beyond just being troubling, these errors raise the possibility of problems that need close examination. In order to address these oversights, a culture of diligence, responsibility, and integrity must be strengthened. These values should be the cornerstone of any organization that produces financial reports, not just one mistake. 

It is important to note that each and every stakeholder in the credit ecosystem has an impact on the lives of countless people. Small mistakes can have a big impact. Let 's take this as a chance to review and recalibrate for a future in which accuracy and compliance are given top priority. 

I'm challenging inaccurate personal information listed below. 

The information about my name is not reported accurately. 

My current address is not listed accurately. 

Certain information about my date of birth is not accurate. 

I'm challenging inaccurate public records listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX : XXXX I'm challenging inaccurate accounts listed below. 

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 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