Consumer complaint received 2024-02-15 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: MO

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my [ credit card/bank statement/account ], indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXXXX/XX/year>XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXXXXXX Balance Owed : {$390.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year>.

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 non-monetary relief