Consumer complaint received 2024-02-07 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: MI

Complaint narrative:
I am writing to bring to your immediate attention a grave matter concerning my credit reports, which has resulted in severe inconvenience and distress. Recently, I received two credit reports in the mail that do not pertain to me but share my name. Upon scrutiny, I discovered that my credit profile has been erroneously merged and intermingled with those of two other individuals who share my name but possess different social security numbers. 

Despite my earnest attempts to rectify this situation, Experian, XXXX, and XXXX have all refused to address the matter, leaving me in a vulnerable position. I have reached out to each of these credit bureaus through multiple channels, including the CFPB portal, phone calls, and traditional mail. Additionally, I have diligently uploaded copies of my driver 's license and social security number numerous times to substantiate my identity and plead for the correction of this egregious error. 

The social security numbers erroneously linked to my profile are ( see attachment ) and ( see attachment ). Despite providing comprehensive documentation and evidence, the credit bureaus have repeatedly requested the same information and have shown an unwillingness to resolve this matter. 

I am hereby formally requesting the immediate deletion of the mixed files associated with the following creditors and debt collectors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I demand a cease and desist from all creditors and debt collectors linked to these erroneous accounts.

It is abundantly clear that the information in question was not properly verified by the collection agencies, creditors, or credit bureaus, leading to a blatant violation of my rights and privacy. I am profoundly disappointed by the credit bureaus ' refusal to address this matter in a timely and effective manner.

While I strongly prefer to resolve this issue expeditiously and amicably without resorting to legal action, I am prepared to pursue further measures to ensure the accuracy of my credit reports and safeguard my rights as a consumer. 

I implore the Consumer Financial Protection Bureau to intervene and compel Experian, XXXX, and XXXX to take immediate action to rectify this error and ensure the accuracy of my credit reports. Furthermore, I emphasize that I, myself, am writing this letter, and I do not have any credit bureau or third-party agency representing me. I request that a human agent verify this information and explicitly state that I do not consent to any third-party entities, such as e-oscar or XXXX, involving themselves in this matter, as they are not deemed reliable sources by me. 

Thank you for your urgent attention to this matter. I anticipate your swift and decisive action in resolving this distressing 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