Consumer complaint received 2023-11-21
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 am writing to formally express my dissatisfaction and frustration regarding the numerous attempts I have made to correct an error on my open account and have a late closed account removed from my credit report. I believe there has been a misunderstanding, and I kindly request your assistance in resolving this matter promptly. I noticed that there was an error on my open account with Credit Bureaus. It was reported as delinquent, which is inaccurate since I have consistently made on time payments. I immediately contacted your customer service department to rectify this issue. However, despite numerous calls and written correspondence, the problem has not been resolved. Additionally, there is an account marked as " late closed '' and " charge off on my credit report, which is damaging my credit score. I have no record of this account, and I believe it has been erroneously added to my report. I have also made several attempts to have this account removed, but to no avail. Resolution Requested : I kindly request that you take the following actions to address these issues : Correct the open account status to accurately reflect my on-time payment history. Investigate the origin of the late closed account and remove it from my credit report. Provide me with written confirmation once these issues have been resolved and the changes have been reported to the credit bureaus. Ensure that no further negative impacts occur on my credit report due to this matter. I understand that errors can occur, but it is essential that these issues are resolved promptly to avoid any further damage to my creditworthiness. I trust that Credit Bureaus makes these matters seriously and will work diligently to rectify this situation. Please consider this letter as a formal notice of my complaint. I expect a response within [ reasonable time frame, e.g., 30 days ] from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. Please assist me to correct or remove the following accounts : XXXX XXXX  **** Balance : {$0.00} This account was showing an inaccurate payment history and payment status. A charge-off should show a zero balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 
XXXX XXXX Balance : {$810.00} - 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. 
XXXX XXXX Balance : {$11000.00} - You are reporting inaccurate information for this particular account. A charge-off account should show 0 balance. Remove the balance indicated, change it to zero and delete this account promptly. 
XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately.

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