Consumer complaint received 2024-04-03
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Account with XXXX Dear Experian & XXXX XXXX, I am writing to express my utmost concern and frustration regarding the inaccuracies present in my credit report, specifically concerning the account associated with XXXX The discrepancies within this fraudulent account have profoundly impacted my life, causing immense distress and hardship for me and my family. 

The information contained within my credit report regarding the Original Creditor XXXX is riddled with inconsistencies and errors. Despite my continuous efforts to rectify this situation, it persists as a looming threat to my financial stability and overall well-being. 

Firstly, the account is erroneously categorized as an auto loan and is reported as a repossession. The account number provided is XXXX, with an alleged outstanding balance of {$9100.00} and an original balance of {$19000.00}. Moreover, the account purportedly exhibits a 24-month payment history. However, XXXX and XXXX fail to validate the existence of this account, rendering it a glaring anomaly within my credit history. Experian 's last status update on this matter dates back to XX/XX/XXXX, despite my persistent attempts to address this issue. 

I have made previous attempts to rectify this matter, including sending correspondence via USPS mail and email through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. However, a year has elapsed without any substantive resolution or provision of original contracts or copies of my identification. The lack of transparency and accountability surrounding this account is deeply troubling and necessitates immediate action. 

This egregious mishandling of my personal information and the subsequent inaccurate reporting have had severe repercussions on my life. I was recently unable to secure a loan to cover the expenses of my grandmother 's funeral due to the negative impact on my creditworthiness. My family continues to suffer as a result of these inaccurate reporting practices, further exacerbating our financial hardship and emotional distress. 

I implore you to conduct a thorough investigation into this matter and cease reporting any inaccuracies until the issue is resolved. The Fair Credit Reporting Act explicitly stipulates that consumers have the right to accurate and fair reporting of their credit history, a right that has been egregiously violated in this instance. 

Furthermore, I request that you remove the erroneous Auto Loan/Repossession account associated with XXXX from my credit report promptly. Additionally, I demand written confirmation of the deletion and an updated copy of my credit report reflecting this amendment. I will also be forwarding additional documentation to support my case and expedite the resolution process. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to rectify this situation and restore the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX XXXX