Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
To the XXXX XXXX XXXX : Dear human being, To whom it may concern, Although, I had previously stated that I was not going try to communicate with you the CRAs any longer regarding the multiple corrupted issues that has been lingering on my consumer credit report since I discovered them in XXXX it has recently come to my attention because of the recent letter that just received from you the credit reporting agencies reason because I still don't have access to my consumer credit report from the credit reporting agencies as my access continues to be blocked. 

As such because this am issue that involves basic fundamentals human principles. 

I am sending this letter out to you. 

That two accountsXXXX XXXX Bank and XXXX Bank that had previously forgiven and deleted have been recently reinserted back into my consumer credit report despite having been forgiven due to goodwill letters sent to these creditors. This reinsertion is both distressing and unjust, as these debts were explicitly forgiven, and I find it reprehensible that they have resurfaced without proper validation or notification. 

Allow me to recount the circumstances surrounding these accounts. At a time when my family and I were experiencing severe financial hardship, although it's something that I do not like to do because I like to keep up with my financial responsibilities and obligations to pay my bills because I also fully recognize that the Creditors likewise also have their own financial responsibilities and obligations. However, because of the dire financial hardship that me and my family were facing at the time because of the multipled accounts and hundreds of inquiries that you the credit reporting agencies had somehow managed to place into my consumer credit report. I humbly made a somewhat difficult decision to to reach out to both creditors, so with the help of a credit repair agency that helped through the process and delivered those goodwill letter requests to XXXX XXXX Bank XXXX XXXX Bank detailing mine and my family 's dire situation and requesting their goodwill in forgiving the debts and for them to remove the negative or derogatory items from my consumer credit report. I committed to honoring the forgiven amounts in the future, either by repaying the creditors once our situation improved or by donating an equivalent or greater amount to a foundation of their choosing. Despite the common practice of creditors denying such requests, XXXX XXXX Bank and XXXX Bank responded with compassion and granted forgiveness of these debtsa rare but deeply appreciated acknowledgment of our circumstances. And those two accounts along with other accounts account Unfortunately, due to unforeseen and catastrophic events, I am unable to provide the letters of forgiveness issued by these creditors. A severe rainstorm tore through the roof of our home, causing extensive water damage to the rooms where my documents and personal property were stored. The waters not only destroyed physical documents but also rendered my personal computer and cellphone unusable, both of which contained digital copies of critical records. This devastating incident left me without access to any evidence of the goodwill granted by these creditors. Additionally, the house was subsequently condemned by the city of XXXX, XXXX, further compounding the situation. 

" In addition, I have included a copy of an official document from the XXXX of XXXX, XXXX, confirming that the property in question was condemned. This document serves to further corroborate the circumstances and challenges faced during that time. I trust this evidence will provide greater context and support for the resolution of this matter. '' However, I can categorically reaffirm to you the credit agencies that the other accounts the ones from sprint, XXXX XXXX and any other are unthorized accounts resulting from identity theft that are reporting on my consumer credit report. Matter of fact the one from XXXX have a law firm to that has filed a lawsuit against XXXX on my behalf because virizon commit fraud and identity theft by forging a fraudulent and reporting that account to you which blatantly just simply irresponsible inserted in my consumer credit report and are refusing to block, remove or delete from my consumer credit report despite multiple requests and disputes that I have initiated that have all replied to me that you consider my disputes frivolous. 

So the only instance that you don't consider a dispute frivolous is when the consumer even after been categorically wronged by you like in my case since I first discovered your wrong doing since 2020 and cried out to you for help through various different disputes not from myself but through the multiple credit repair agencies that I hired throughout the years since 2020 but you didn't even pay attention to my disputes rather you to update my consumer credit report with corrupted XXXX items of all kinds of unauthorized accounts and multiple inquiries from all kinds of places perhaps some were even international like XXXX, XXXX, what do I know You the CRAs an agent of the credit reporting agencies that also should in reality zeal to protect the consumers rather you do whatever you can to XXXX the consumer that not only the Government Agencies should zealously protect as the Government Agencies like the CFPB XXXX XXXX XXXX, the FBI XXXX XXXX XXXX Government XXXX or Organizations do their utmost to protect or shield & serve the consumers or the public to the best of their abilities because in essence no matter who we may think that we are we all are the people although sometimes they are able even capable to do everything for the consumers because no matter what no matter who we are or may think that we are in the end of it all we are all like poor humans that no matter how much money we have or how much possession we may possess if we get old, get badly ill or XXXX. The first thing that any one who here of what happened will say is that poor man or poor woman. So in essence no matter who we may be or think that we are we are poor human beings that although we may strive to do much but it's never enough and such thoughts goes to you to at the CRAs in the end no matter how powerful you are or may think that you are in the be you are just a poor human being like myself too because like you too if I get old, if I get ill or if die the first thing that someone will say when they hear about is o that poor guy. The only difference between me and you is I on the other hand perhaps contrary to you thanks to you because of all the crappy stuff that you had placed onto my consumer credit report I am also financially poor. But still we have a lot in common & also there lots of opportunities for expansion. Also you the consumer credit report agencies should own you tittle the right way and instead of screwing up the consumer who wants to take responsibilities of their financial lives and fulfill their financial responsibilities & obligations you protect, shield & serve the consumers interest. 

Let me ask you this question. 

What are you without the responsible and trust consumer that you have the Responsibilities & Obligations under the Umbrella of the Laws to Protect, XXXX & Serve which you are rather screwing up by fabricating all kinds of erroneous informations and items and implanting or strategically and tactically planting them into their consumer credit report as you did on multiple occasions throughout all these years that I came to discover your dirty practices since 2020? 

It is unacceptable that the credit reporting agencies have allowed these accounts to be reinserted into my consumer credit report, especially considering the clear evidence of identity theft, financial mismanagement, and natural disaster hardships that have impacted my records. As custodians of consumer credit information, it is your obligation to ensure the accuracy and fairness of the reports you maintain. This failure to act responsibly and diligently is not only a breach of trust but also a clear violation of the rights afforded to me under the Fair Credit Reporting Act ( FCRA ). 

I formally demand the following : 1. Immediate Blocking of the Reinserted Accounts : In accordance with FCRA 605B, you are obligated to block all information related to these accounts upon receiving a dispute and any supporting documents. The reinserted accounts must be removed without delay.

2. Notification of Actions Taken : I demand written confirmation within the legally mandated time frame, outlining the steps taken to address this reinsertion and prevent any future recurrence.

3. Investigation and Accountability : I call for a thorough investigation into how and why these accounts were reinserted, despite their previous resolution through XXXX. Accountability measures must be implemented to ensure such actions do not happen again.

4. Provision of Consumer Assistance : I request your guidance on alternative means to validate my claims, given the destruction of my documents, to ensure that my credit report reflects accurate and fair information.

Failure to address this matter promptly and appropriately will leave me with no choice but to escalate this issue, including seeking legal recourse to safeguard my consumer rights.

I trust that you will handle this matter with the seriousness and urgency it demands, as the integrity of my consumer credit report and my financial reputation depend on it. 

Sincerely, 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