Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent accounts on my credit report, and I demand their immediate and aggressive removal. The impact these unauthorized entries are having on my credit score is unacceptable, and I expect your urgent attention to rectify this situation without any further delay. 

Upon reviewing my credit report recently, I was shocked to discover multiple accounts that are unquestionably fraudulent and have been falsely attributed to me. The inaccurate information associated with these accounts is not only damaging my creditworthiness but also casting a shadow on my financial standing. 

The fraudulent accounts demanding your immediate action are as follows : XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXXXXXX XXXX XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the legitimacy of these accounts and insisting on their swift deletion from my credit report. I will not tolerate any further negligence or delay in this matter, and I demand that you conduct a rigorous investigation to promptly correct these inaccuracies. 

Attached to this letter, you will find supporting documentation, including a detailed account of the fraudulent activity and any evidence I have gathered to substantiate my claims. I expect your team to treat this matter with the urgency it deserves and ensure the immediate removal of these erroneous entries. 

Your failure to resolve this matter within the next 15 days will leave me with no choice but to pursue legal action against your bureau for non-compliance with the Fair Credit Reporting Act ( FCRA ) and the severe damage this negligence has caused to my financial standing. 

I trust that you understand the gravity of this situation and will take immediate and aggressive action to rectify the inaccuracies on my credit report. I anticipate a written confirmation of the removal of the fraudulent accounts within the specified timeframe.

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