Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Complaint:
As Per the FCRA and 15 U.S.C 1681 A-B I am entitled to an Honest and Accurate credit report. For years I have not been able to accomplish this based on Incompetent disputing processes of the credit bureau ( s ). Even when False information is being entered with credentials that don't match my name or social, the inaccuracies and fraudulent accounts have repeatedly been attached to my credit.

Reason : I continue to get generic responses from this company no matter what I send in and no matter how much documentation I provide to support my dispute. So I am going to submit my complaint to the Consumer Financial Protection Bureau. 
I have been attempting to dispute the attached items since XX/XX/XXXX, The Creditors have all failed to respond to direct responses. I have wrote to the bureau and included all original letters to creditors along with a request to remove items based on Failure to respond, which most have failed to respond or remedy for over a year. Many of the items resulted from Caretaker Fraud while I was incapacitated with XXXXXXXX XXXX XXXX XXXX  Issues From a XXXX Accident which has deemed me XXXX since XXXX and XXXX  From XXXX to XXXX. With a XXXX  there are boxes of XXXX and XXXX XXXX which are able to prove this. 

I am submitting this complaint to the CFPB as my Final attempt to have the Items corrected. I am also going to attach any and all documents to support my disputes, all documentation to support my identity and all documents to show my next steps in the event that these items are not resolved. I will have no choice other than to Sue the Creditors reporting the erroneous information on my credit.

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a disabled person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I can tell by the duplicated notifications and notifications of things I did not dispute and NO NOTIFICATION or response to the things I ACTUALLY dispute. I can tell that the Disputes I am sending are not being processed by a Human or Actual Person. I can tell that there's no correspondence to the Creditors, Just proof year after year that the Credit Bureaus are self-deciding or utilizing software and non-intelligent means Ive submitted Factual Documents Numerous Times as well as disputed Items that dont belong to me. The Bureaus have repeatedly failed to correct the errors and made a mess of my credit report giving me further issues and dispute comments on accounts I do not have issues with or errors on. 

Please see the attached disputes and supporting docs which were sent for correction ( XXXX ) The Assistance of the CFPB is Greatly Appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation