Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Dispute of Inaccurate and Fraudulent Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information currently being reported on my Equifax credit report. It has come to my attention that certain negative itemsspecifically late paymentsare being falsely attributed to me, which is preventing me from obtaining employment and housing. 
I was the victim of identity theft, and the accounts in question were not opened or authorized by me. I have enclosed a copy of the police report for your records, which serves as proof of the identity theft incident. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate and remove any inaccurate and fraudulent entries related to late payments or any other negative marks that have been falsely reported on my credit history. 
As you are aware, under federal law, credit reporting agencies like Equifax are required to ensure the accuracy and completeness of the information reported. Continuing to report fraudulent and erroneous information is not only a violation of the FCRA but is also causing significant harm to my ability to secure employment and housing. Therefore, I respectfully demand that you : 1. Remove all fraudulent late payment entries associated with my name and Social Security Number. 
2. Correct my credit report to reflect accurate and up-to-date information. 
3. Provide me with a confirmation letter once these corrections have been made and my credit report has been updated.Please be advised that under the law, you are obligated to complete this investigation within XXXX days of receiving my dispute. If these inaccuracies are not rectified within the required time frame, 4. I will be forced to pursue further legal action to protect my rights, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

I am writing to bring to your attention a serious issue that I have encountered while attempting to file a dispute regarding inaccuracies on my credit report. It has become apparent that I am being intentionally locked out of your online portal, preventing me from initiating a dispute as required under the Fair Credit Reporting Act ( FCRA ). 
I have made multiple attempts to contact your customer service team regarding this matter, but unfortunately, my concerns have not been addressed, and I continue to experience difficulties accessing the dispute system. Despite my repeated efforts to resolve this issue, I have not received any helpful assistance or resolution from your support team. 

Additionally, I would like to formally bring to your attention that during my recent attempts to resolve this issue, I experienced repeated instances of being abruptly disconnected by your customer service agents. On several occasions, the agents hung up on me mid-conversation without offering any resolution or explanation. This has been extremely frustrating and has further delayed the resolution of my case. 
As a result, my account has been locked for several days, preventing me from uploading the necessary police report to address the situation. I kindly request that this issue be investigated promptly, and that my account be unlocked I find it both frustrating and concerning that I am unable to exercise my right to dispute inaccurate or fraudulent information on my credit report, which is directly affecting my ability to secure employment and housing. It is my belief that this barrier to accessing the dispute process may be intentional and, if left unresolved, could constitute a violation of my rights under the FCRA. 
I am requesting the following actions to be taken immediately : 1. Remove the block on my account or resolve any technical issues preventing me from accessing the online dispute system. 
2. Allow me to file my dispute without further hindrances. 
3. Provide confirmation that the issue has been resolved and that I can now submit my dispute for further investigation. 
Please understand that the continued inability to address my dispute through your online system is unacceptable. I trust that you will take immediate action to rectify this issue. If this matter is not resolved promptly, I will have no choice but to escalate the situation by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing other legal remedies to ensure my rights are protected. 
Thank you for your immediate attention to this matter. I trust that you will promptly correct the inaccuracies on my credit report. 


XXXX XXXX XX/XX/XXXX XXXX Enclosures : Copy of police report Copy of my Identification

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