Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
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 hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the multiple attempts to correct the late opening of accounts and the removal of late-closed accounts associated with my account at your esteemed institution. 

I initiated the process to open and close accounts, respectively. Unfortunately, these actions were not processed in a timely manner, leading to significant inconveniences on my part. Despite my repeated attempts to rectify the situation through various channels, the issue remains unresolved. 

I have made numerous phone calls to your customer service department, visited the branch in person, and submitted written requests through your online portal, all in an effort to expedite the resolution of this matter. Regrettably, each interaction has yielded nothing but assurances and promises without any concrete action taken to address the delays and errors in the account processing. 

The impact of these delays has been substantial, affecting my financial stability and causing undue stress. Furthermore, the late opening of accounts has resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I understand that errors can occur in any institution, but the repeated failures to rectify the situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is within my rights to receive timely and accurate service from your institution, and I am disappointed that this has not been the case. 

In light of the above, I kindly request that you take immediate and effective action to resolve this matter. I expect a thorough investigation into the root cause of the delays and errors, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. XXXX XXXX XXXX XXXXXXXX Balance Owed : {$120.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto.

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