Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I write to you today with an overwhelming sense of frustration and distress that has been relentlessly building due to the bureaus ' refusal to accept my identity theft claim. I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

This unjust refusal has left me not only frustrated but also deeply distressed. The toll this ordeal has taken on my financial well-being and emotional stability can not be overstated. It is disheartening and exasperating to think that after following your guidelines to the letter, I am met with such resistance. 

I urge you to recognize the gravity of my situation and the implications of not taking immediate action. My rights as a consumer and a victim of identity theft are being grossly overlooked, and I am left feeling powerless and unheard. 

Here are the accounts that needs to be removed from my credit file : 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 Bankruptcy XXXXXXXX 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 demand that your bureau promptly acknowledge and investigate my identity theft claim with the urgency and seriousness it deserves. I have been patient, and my frustration has reached its limits. I am determined to see this matter resolved promptly and accurately. 

I expect a written acknowledgment of this dispute letter and an immediate commitment to investigating my identity theft claim thoroughly. The law mandates a timely response, and I insist that your bureau fulfills these legal obligations without further delay. 
My frustration and distress are beyond measure, but I am unwavering in my pursuit of justice and resolution. 

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 

Please see this account is removed from my file at once. 

XXXX XXXX Bankruptcy XXXXXXXX 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. 

If you continue to report this information without truly verifying the information I will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed. 

Please see this matter is removed at once.

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