Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint against the credit bureaus for reporting incorrect information on my credit report and their persistent failure to address my repeated disputes. This ongoing issue has hindered me and my children from finding a stable living place, causing significant distress and financial hardship. I am contacting the Consumer Financial Protection Bureau ( CFPB ) as I have exhausted all other resolution means. 

I have diligently followed the proper channels by disputing the items in question multiple times, yet the credit bureaus have continuously ignored my letters. This consistent disregard for my disputes is not only frustrating but also a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumer 's credit report must be XXXX percent verifiable and accurate. 

I would like to bring your attention to the following accounts that require immediate verification, investigation, or removal until they are properly investigated : XXXX. XXXX XXXX XXXX Account Number : XXXX The alleged delinquency and derogatory claims associated with this account lack the minimally required document proof to verify their current certifiable compliant reporting of negativity. I demand the immediate deletion of all aspects of negativity alleged to ensure compliance with ethical and lawful reporting requisites. 
High Balance : Experian reports {$0.00}, XXXX reports {$96.00} Date of Last Activity : Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Duplicate reporting The alleged delinquency and derogatory claims associated with this account lack the minimally required document proof to verify their current certifiable compliant reporting of negativity. I demand the complete deletion of all aspects of negativity alleged to maintain ethical and lawful reporting requisites. 
High Balance : XXXX reports {$2600.00}, Experian reports {$2600.00}, XXXX reports {$2600.00} Date Opened : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. 

XXXX. XXXX Account XXXX : XXXX The alleged delinquency and derogatory claim ( XXXX ) associated with this account lack the minimally required document proof to verify their current certifiable compliant reporting of negativity. I demand the immediate deletion of all aspects of negativity alleged to abide by ethical and lawful reporting requisites. 
Date of Last Activity : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX Date Opened : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX Account Number : XXXX The alleged delinquency and derogatory claims associated with this account lack the minimally required document proof to verify their current certifiable compliant reporting of negativity. I demand the immediate deletion of all aspects of negativity alleged to ensure adherence to ethical and lawful reporting requisites. 
High Balance : XXXX reports {$0.00}, Experian reports {$0.00}, XXXX reports {$91.00} Date Opened : XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. 

XXXX. XXXX Account Number : XXXX The alleged delinquency and derogatory claims associated with this account lack the minimally required document proof to verify their current certifiable compliant reporting of negativity. I demand the immediate deletion of all aspects of negativity alleged to ensure adherence to ethical and lawful reporting requisites. 
Date Opened : XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX. XXXX XXXX : XXXX reports {$1400.00}, XXXX reports {$950.00}. 

This information has been inaccurate for quite some time and needs to be corrected or removed immediately. 

Additionally, I would like to highlight that Experian is reporting my name as XXXX XXXX, while XXXX is reporting my name as XXXX XXXX and an incorrect address of XXXX XXXX XXXX, XXXX, Ohio. This misinformation further adds to the inaccuracies on my credit report and must be rectified accordingly. 

I kindly request the CFPB 's intervention to ensure that the credit bureaus fulfill their obligations under the FCRA. I trust that your agency will thoroughly investigate these discrepancies, take appropriate action to rectify the reporting errors and hold the credit bureaus accountable for their persistent failure to address my disputes. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue promptly.