Consumer complaint received 2024-03-13 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: AZ

Complaint narrative:
I am writing to express my extreme frustration and disappointment concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite my ongoing efforts and repeated disputes, these items continue to be inaccurately reported, and this situation is causing significant harm to my creditworthiness and financial well-being. This letter serves as my formal complaint regarding the unresolved issues related to these fraudulent entries. 

The fraudulent items on my credit report that I have been striving to have removed are as follows : I have diligently reported these inaccuracies to your agency on multiple occasions, providing comprehensive documentation to prove the fraudulent nature of these entries. Despite my efforts, these items remain on my credit report, causing unwarranted damage to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The ongoing presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, obtain loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items, carefully reviewing the documentation I have provided. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without any further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please recognize the gravity of this situation and its profound impact on my financial well-being and future opportunities. 

If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XX/XX/year> XXXX XXXX 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 explanation