Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and register a complaint regarding several inaccuracies on my credit report, including multiple late openings, late closures, and charge-offs, which have unfairly impacted my credit history. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several accounts that have been inaccurately reported on my credit report, specifically in regard to their opening and closing dates, as well as the status of charge-offs. These discrepancies are causing significant harm to my creditworthiness and have made it difficult for me to secure favorable financial terms and opportunities. 

I want to emphasize that I have diligently managed my finances and have not allowed any accounts to remain unpaid to the point of charge-off. These inaccuracies are unjustly tarnishing my credit history and do not reflect my responsible financial behavior. 

I kindly request that you initiate a thorough investigation into these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that you : 1. Verify and correct the opening and closing dates of the accounts in question, ensuring that they accurately reflect my financial history. 
2. Review and rectify the status of charge-offs, removing any accounts that have been inaccurately reported as charge-offs if they are not legitimate. 
I also request that you provide me with a written response within 30 days of receiving this complaint, outlining the actions taken to rectify these inaccuracies. If you require any additional documentation or information from me to facilitate your investigation, please do not hesitate to contact me using the phone number or email address provided above. The following late open, late closed and charge off accounts should be corrected or removed by the credit bureaus : DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX {$23000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 
DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX  {$19000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX {$2400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

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