Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent/negative accounts on my credit report under your bureau. It has come to my attention that these accounts, which have already been deleted by other credit bureaus, still persist on your records. This situation is not only unacceptable but also damaging to my financial standing and reputation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I find it perplexing that while other credit bureaus have taken swift action to rectify this issue, your bureau has failed to do so. It is crucial for you to understand the urgency and gravity of this matter. I demand immediate and aggressive action to remove these erroneous entries from my credit report. 

XXXX XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

These discrepancies are not only inaccurate but also tarnish my creditworthiness and financial integrity. I expect your bureau to uphold the same standards as your counterparts and promptly address and rectify this situation. Any further delay in resolving this matter will be considered a gross negligence of your duty and a blatant disregard for consumer rights. 

I have attached supporting documentation, including letters from the other credit bureaus acknowledging the removal of these accounts. I demand that you treat this matter with the urgency and seriousness it deserves, ensuring that my credit report accurately reflects my true financial standing. 

If these issues are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter through legal channels and file complaints with the appropriate regulatory bodies. I trust that it will not come to that, and you will take immediate steps to rectify this situation.

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