Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to file a complaint regarding inaccurate information that Experian has reported on my credit report. This inaccurate information has caused significant distress and adversely affected my financial standing. I request immediate action to address these inaccuracies and rectify the situation. 

Upon reviewing my credit report, I discovered the following inaccuracies, which have been outlined in detail below : Account Names : a. XXXX XXXX XXXX : The information reported for the account with XXXX XXXX XXXX is inaccurate and does not reflect my true credit history. 
XXXX XXXX : The information reported for the XXXX account is inaccurate and does not align with my records of this account. 
c. XXXX XXXX XXXX : The information reported for the account with XXXX XXXX XXXX is inaccurate and does not accurately represent my credit history. 
d. XXXX XXXX : The information reported for the XXXX XXXX account is inaccurate and does not reflect my true credit history. 
XXXX XXXX : The information reported for the XXXX/XXXX  account is inaccurate and does not align with my records of this account. 
Dates Opened : The dates listed for the opening of certain accounts do not align with the actual dates when these accounts were opened, leading to inaccuracies in the reporting of my credit history. 
High Credit Limit and Credit Limit : The reported high credit limit and credit limit for certain accounts are inaccurate and do not reflect the true terms of these accounts, which may impact my credit utilization ratio and overall creditworthiness. 
Date Last Reported, Date of Last Payment, Date of Last Activity : The dates listed for the last reported, last payment, and last activity on certain accounts are incorrect, potentially misrepresenting the status and activity of these accounts. 
These inaccuracies have had a detrimental impact on my life, liberty, and pursuit of happiness. They have resulted in denials of credit, employment opportunities, housing, and other essential services. Despite my efforts to rectify the situation, the inaccurate information persists, exacerbating my financial hardship. 

I have attached supporting documentation, including my driver 's license, that substantiates my claims and clearly demonstrates the inaccuracies in the information being reported by Experian. Based on this evidence, I demand immediate action to delete the inaccurate information and accounts outlined above from my credit report. 

Furthermore, I request that Experian provide me with an updated credit report showing the deletions made as a result of this complaint. I expect the updated credit report to accurately reflect the removal of the inaccurate information and accounts. 

Please be advised that I am opting out of the eOscar electronic dispute system for this dispute. I expect all communication related to this complaint to be handled in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable laws and regulations. 

Failure to address this complaint in a timely and satisfactory manner may result in further legal action being pursued against Experian to enforce my rights under federal law, including but not limited to violations of the FCRA. 

I appreciate your prompt attention to this matter and request that you take immediate action to rectify the inaccuracies on my credit report. Please report my correct birthday as well