Consumer complaint received 2023-10-25
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 express my extreme dissatisfaction and concern regarding the persistent and unsuccessful attempts to have a charge-off accounts and late closed be removed from my credit report. Despite numerous requests and the passage of time, the accounts has not been adequately addressed, and its delayed resolution is causing significant distress. 

I first contacted your agency to address the aforementioned late closure and charge-off accounts. Since then, I have made several requests to have this account removed from my credit report due to its inaccuracies, as well as the fact that it has already been settled and closed. I have provided the necessary documentation, such as proof of payment and settlement, on multiple occasions to support my claims. 

Despite my repeated efforts, I have encountered a lack of responsiveness and a significant delay in the resolution process. This negligence has had adverse effects on my credit score and has caused unnecessary stress and inconvenience.

I kindly request the following actions be taken promptly : A thorough review of my accounts, including all the documentation I have provided for the settlement and closure of this account. 

A verification of the accuracy of the information regarding the late closed and charge-off account, including its status, balance, and payment history. 

If any inaccuracies are found, I request that the charge-off account be promptly removed from my credit report. 

An explanation for the undue delay in addressing my requests and any further actions required to expedite the resolution. 

A written confirmation of the actions taken and a timeline for their completion. 

I understand that mistakes can happen, and I am willing to cooperate to resolve this matter in a timely and amicable manner. However, it is essential that I receive a prompt and effective response to rectify the inaccuracies on my credit report and alleviate the undue burden this situation has placed on me. I am asking for your assistance to remove these following accounts in my credit file : XXXX. XXXX XXXX XXXX XXXX : {$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. 

XXXX. XXXX 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. 

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 XXXX be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

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

XXXX. XXXX XXXX XXXX Owed : {$0.00} - 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 : {$200.00} - 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