Consumer complaint received 2023-11-14
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 express my deep frustration regarding the persistent inaccuracies in my credit report, despite numerous attempts to rectify the issues. 
I have made several attempts to correct the following discrepancies : Despite my repeated efforts to address this matter, the credit report continues to display a late open account that is not reflective of my financial history. The account in question are inaccurate, and I insist on an immediate and thorough investigation to correct this misinformation. 

I previously submitted disputes to have a late closed account removed from my credit report. Regrettably, the derogatory information associated with this account persists, despite my ongoing efforts. I demand an urgent and comprehensive review, with the subsequent removal of this inaccurate information. 
The credit report inaccurately reflects a charge-off that I dispute. I have provided evidence and details in my previous communications, yet the erroneous information remains on my report. I insist on a meticulous examination of this matter and the prompt correction of the inaccuracies associated with the charge-off. 

These inaccuracies are adversely affecting my creditworthiness, and despite my best efforts, the situation has not been resolved. I am extremely concerned about the potential consequences these inaccuracies may have on my financial future. 

I request an immediate and thorough investigation into the aforementioned matters. Please provide me with a detailed explanation of the actions taken to correct these inaccuracies and a clear timeline for the resolution of these disputes. I am asking for your assistance to correct or remove the accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. 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 Owed : {$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. 

XXXX. XXXX  XXXX XXXX Balance Owed : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX. 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. 

XXXX. XXXX  XXXX XXXX XXXX Owed : {$79.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX 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 XXXX Balance Owed : {$0.00} - XXXX 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.

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