Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding the inaccurate information on my credit report. Despite multiple attempts to address and rectify the inaccuracies, no action has been taken by the credit bureaus in question. 

The disputed items on my credit report include the following : XXXX : XXXX. The following account is not mine. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I lost my job in XXXX of XXXX due to XXXX XXXX. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. I lost my job in XXXX of XXXX due to XXXX XXXX. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX : XXXX. I lost my job in XXXX of XXXX due to XXXX XXXX. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. I lost my job in XXXX of XXXX due to XXXX XXXX. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. I do not recognize this account. Please verify that this account belongs to me. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Experian : XXXX. Please update the date of birth as follows : DATE OF BIRTH : XXXX XXXX. I lost my job in XXXX of XXXX due to XXXX XXXX. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. I lost my job in XXXX of XXXX due to XXXX XXXX. I was experiencing extreme financial hardship and I was receiving unemployment for almost a year. I was making the payments with my unemployment income. I called XXXX XXXX and explained the situation to them and they've agreed to not penalize me for the late payments. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. I do not recognize this account. Please verify that this account belongs to me. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I have made three attempts to request the credit bureaus to delete the inaccurate information through written disputes, providing supporting documentation to substantiate my claims. However, despite my efforts, there has been no resolution or corrective action taken by the credit bureaus to rectify these inaccuracies. 

I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate information be promptly removed from my credit report to restore the accuracy and integrity of my credit history. 

Attached with this complaint are copies of the relevant documentation, including my written disputes, supporting evidence, and any responses received from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.