Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX for Investigation of Disputed Credit Information** **Re : Account Number XXXX To Whom It XXXX Concern, I am writing to formally dispute the accuracy of certain information reported on my credit report. I believe this information is incorrect and does not reflect my true credit history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation of this matter. 

XXXX XXXX XXXX Disputed Information The specific information I am disputing is as follows : - **Account Name XXXX XXXX XXXX/DEPT OF FED - XXXX XXXX : ** XXXX I have reviewed my credit report, and I strongly believe that this account is either inaccurately reported or does not belong to me. This discrepancy has caused significant concern, particularly as it has adversely affected my XXXX XXXX and my ability to secure loans and credit. Given the importance of maintaining an accurate credit report, I urge you to investigate this matter with the utmost urgency. 

XXXX XXXX XXXX Impact of the Discrepancy The inaccurate reporting of this account has had tangible consequences for me. I recently applied for a mortgage, and the lender informed me that my XXXX XXXX was lower than anticipated due to this entry. As a result, I was offered a less favorable interest rate, which could cost me thousands of dollars over the life of the loan. Furthermore, I have experienced difficulties in securing other forms of credit, which has limited my financial options. I hope that by resolving this matter, I can restore my creditworthiness and ensure that my financial history is accurately represented. 

XXXX XXXX XXXX Request for XXXX XXXX accordance with the FCRA, I kindly request that you provide me with the following : XXXX. Copies of any and all credit reports that include this account. 
XXXX. A detailed description of the processes you utilized to verify the accuracy of this account, including the names and contact information of any data furnishers contacted during your investigation. 
XXXX. A complete copy of my credit file maintained by your bureau, including any relevant documentation related to the disputed account. 

To facilitate this process, my date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security number are XXXX. I appreciate your prompt attention to verifying my identity, which I hope will expedite the investigation process. 

XXXX XXXX XXXX  Conclusion I understand that these matters can take time ; however, I respectfully request that you prioritize this investigation due to the significant impact this inaccurate reporting has had on my financial situation. Thank you for your attention to this important issue. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXXXXXX 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