Consumer complaint received 2024-08-01 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: MD

Complaint narrative:
Here is the letter that i sent to the credit reporting agency about the following accounts that are reporting after being removed and place back onto my file. Not the date of the letter and no response has been sent to me which is a violation of consumer law. In fact I have not received any certification or response in over 9 monthsXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX Re : Urgent Request for Removal of Inaccurate Information and Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to formally request the immediate removal of inaccurate and unauthorized information from my credit report. I am XXXX XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, reachable at XXXX, with the last XXXX digits of my social security number being XXXX. I am deeply concerned about the integrity and accuracy of my credit report, and I would like to address the following issues with the utmost urgency.

I have previously submitted two letters to your agency, requesting the deletion of the address XXXX XXXX XXXX, XXXX, MD XXXX, from my credit report. I want to reiterate that I am in no way affiliated with this address, and its presence on my credit report is misleading and potentially damaging. I firmly demand that your agency conducts a thorough and immediate investigation into this matter, as required by both federal and state laws. The previous responses I received, which appeared to be stall letters, are unacceptable and may be considered a violation of consumer law.

I insist that a human agent reviews this letter and my case. I have taken every possible step to rectify this error in a timely manner. In addition to addressing the issue of the address, I have reported a series of unauthorized inquiries on my credit report to the Federal Trade Commission ( FTC ) to prevent further inaccuracies. I also request that all files associated with the mentioned address, XXXX XXXX XXXX, be promptly and entirely removed from my credit report. 

Furthermore, I demand that the following unauthorized inquiries be removed without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX I kindly request that your agency correct these items and expedite the delivery of an updated copy of my credit report within the time frame mandated by federal and state law. I implore the agency to ensure strict compliance with the applicable XXXX and federal laws concerning the management of consumer credit information. 
Enclosed with this letter, you will find copies of my driver 's license and social security card, as previously requested. I trust that the credit reporting agency will act with the utmost urgency and diligence to rectify these issues. Any further delay or violation of my rights may result in legal action against the agency.

I appreciate your immediate attention to this matter and your commitment to upholding the accuracy and fairness of consumer credit reporting. Please provide written confirmation when these corrections have been made and specify when I can expect to receive the updated credit reports. 



Respectfully, 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