Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have submitted disputes through your online platform on [ dates ], providing comprehensive details and supporting documentation to substantiate my claims. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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