Consumer complaint received 2024-05-04 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: TN

Complaint narrative:
I hope this message finds you well. I am writing to you with an urgent issue that has, until now, remained unresolved and is causing me unnecessary stress and strain. 

On an initial note, reaffirming the content of a prior communication I received from your establishment, it was clearly stated that the loans erroneously tied to my name would no longer be my responsibility. However, the current circumstances and the lack of action on your part is not just baffling but highly unacceptable. Going through my latest credit report, it is distressingly apparent that XXXX has failed to make good on its promise, as these loans are still marked against my credit. 

This, I must say, is a direct contradiction to the assertion made in your email that explicitly absolved me of the burdens tied to these loans. Breaching trust in such a crude manner is truly perplexing, especially coming from a corporation that prides itself on maintaining transparent customer relations. Not only has your lack of action resulted in a festering dilemma for me, but it also imposes a stain on your reputation. 

Moreover, I have telephonically contacted your customer service department more than once. Each time I reiterated my unfortunate position as a victim of identity theft. Yet, it seems like my pleas are either ignored or blatantly brushed under the rug. This lackluster handling of my identity theft issue is a grave disappointment and speaks volumes about your level of commitment towards customer security. 

This situation is not only unethical but also incredibly damaging. Your inaction demonstrates a complete disregard towards the credibility of your own communication and leaves a lot to be desired regarding your customer services, especially because my issue involves identity theft, a crime that in itself warrants immediate and thorough response. Despite being caught in the throes of this distressing and challenging situation, I find myself questioning the credibility of XXXX, which instead of solving problems, is adding to them. 

Without trying to be litigious at this juncture, I would like to emphasize that unless the wrongful loans are properly removed from my credit report XXXX, I am afraid I will have to resort to legal avenues to protect myself. Please consider this as a forewarning. 

I thereby demand your prompt attention in this matter. Concurrently, I hope that XXXX XXXX of angst and consternation would serve as an eye-opener for you, so as to remedy the situation, understanding the depth of the issue and, moving forward, taking concrete steps to alleviate my distress as well as prevent any such unfortunate incidents from recurring in the future. 

Thank you for your attention to this matter. Expecting your immediate assistance.

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