Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Dear Sir/Madam, I am writing to submit a formal complaint and request for enforcement of my legal rights as provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The purpose of this letter is to bring to your attention the severe hardships I have endured due to the ongoing inaccuracies and unverified accounts on my credit report, and to seek your intervention to rectify this situation. 

My name is XXXX XXXX, residing. Over the past few years, I have faced relentless struggles and emotional distress caused by the incorrect information on my credit report. The inaccuracies within my credit file have led to a series of unfortunate events that have negatively impacted nearly every aspect of my life. 

To give you a glimpse of the emotional turmoil I have endured, allow me to share a personal story. In XXXX, I embarked on the journey of purchasing my dream home for my family. My wife and I had diligently saved for years to make this dream a reality. We spent countless hours searching for the perfect property, and finally, we found it - a modest house in a peaceful neighborhood that we could call our forever home. 

Excitedly, we approached a reputable mortgage lender, hopeful to secure a home loan with favorable terms. To our dismay, the loan application process was fraught with obstacles, delays, and uncertainty. Despite our excellent credit history, the lender expressed concerns about discrepancies in my credit report, particularly the presence of unverified accounts that did not belong to me. 

Our dream of homeownership was slipping away due to the erroneous information contained in my credit report. It felt as if our efforts to provide stability and security for our family were being thwarted by forces beyond our control. As the process dragged on, the stress took a toll on our well-being and family dynamics. My wife and I found ourselves in constant XXXX, sleepless nights, and countless arguments about how to resolve this crisis. 

Ultimately, we had no choice but to put our dream home purchase on hold, adding to the emotional distress we were already experiencing. The feeling of helplessness and frustration was overwhelming, knowing that these errors were unjustly tarnishing my creditworthiness and jeopardizing our future. 

The emotional trauma extended beyond the realm of homeownership. It impacted my ability to secure favorable interest rates on credit cards and loans, and it even hindered my chances of being considered for job opportunities that required a credit check. The burden of these unverified accounts weighed heavily on my mental health, causing a sense of shame and hopelessness. 

To this day, despite numerous attempts to dispute these inaccuracies, my credit report continues to be marred by unverified accounts that do not belong to me. I have provided evidence and followed all the necessary procedures, yet the credit reporting agencies have failed to comply with the FCRA 's obligation to conduct a reasonable reinvestigation. 

In light of the above violations of the FCRA and FDCPA, I demand the immediate removal of the following unverified accounts from my credit report : The following personal information is incorrect : Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX The following personal information is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX The following inquiry was not authorized : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The following inquiry was not authorized : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

This account inaccurately reports that I was 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX and XX/XX/XXXX. I categorically deny any late payments on this account, and the creditor, XXXX XXXX XXXX XXXX, has agreed to rectify this error. Therefore, I demand that these late payment remarks be removed immediately to prevent any potential legal actions against the creditor for inaccurate reporting. 
XXXX XXXX XXXX  XXXX Account Number : XXXX The following account is not mine : XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine : XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

The following account is not mine : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I was never late on this account : XXXX XXXX  XXXX XXXX Account Number : XXXX I demand that all late payment notations be removed and accurately reported as on-time payments to prevent potential legal actions against the creditor for incorrect reporting. 

The following personal information is incorrect : Account Number : Also Known As : XXXX XXXX The following personal information is incorrect : Account Number : Employers : XXXX XXXX The following personal information is incorrect : Account Number : Employers : XXXX XXXX I also request that the creditor involved complies with the FCRA and provides the required verification for each of these disputed accounts. Failure to do so should result in the immediate deletion of these accounts from my credit report. 

In conclusion, I implore the Consumer Financial Protection Bureau to exercise its authority and enforce my legal rights under the FCRA and FDCPA. The emotional distress and hardships I have endured due to these inaccuracies have been immense, and I am left with no choice but to seek your intervention to rectify this grave injustice. 

Thank you for your prompt attention to this matter, and I trust that you will take appropriate action to ensure the fair and accurate reporting of my credit information. 

Sincerely, XXXX XXXX