Consumer complaint received 2023-10-18
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 am writing to express my continued concern and frustration regarding the unresolved issues on my credit report, specifically, the late closed and charge-off accounts. This marks my second attempt to address these inaccuracies with Credit Bureaus, and despite my prior efforts, the situation remains uncorrected. 

I believe it is crucial to provide you with an overview of my previous attempts and the current status : I first noticed the inaccuracies involving late closed and charge-off accounts on my credit report. I promptly contacted Credit Bureaus, explaining the situation and providing the required documentation. Although I was assured that the issue would be resolved, no action was taken. 

After several weeks without any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would receive a response shortly. 

Frustratingly, I continued to receive no updates or resolutions. I escalated the issue on with the hope of accelerating the process. I was assured that the matter would be addressed in a timely manner. 

With the significant passage of time and the inaccuracies persisting, I contacted Credit Bureaus to address the same late closed and charge-off accounts. The information provided by your representatives during this attempt mirrored the previous responses and left me without a resolution.

These inaccuracies are causing severe financial distress and impeding my ability to secure necessary financial resources. Therefore, I kindly request the following : Immediate and effective action to correct the late closed and charge-off accounts on my credit report. 
Transparent and clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal, written acknowledgment of the correction of these inaccuracies. 
Compensation for any financial losses or damages incurred as a result of these inaccuracies. 
I trust that Credit Bureaus recognizes the significance of accurate credit reporting and customer satisfaction. I am hopeful that this matter will be resolved promptly and to my satisfaction. 

If this issue is not resolved within a reasonable timeframe, I will have no choice but to seek legal counsel and report the matter to the relevant regulatory bodies. I am asking for your assistance to remove the accounts : XXXX XXXX Balance Owed : {$3000.00} - 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 Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

XXXX XXXX Balance Owed : {$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 Balance Owed : {$140.00} - I 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 Balance Owed : {$400.00} - 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. 

XXXX XXXX XXXXXXXX Balance Owed : {$1400.00} - 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 Balance Owed : {$470.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off. Please delete this account immediately. 

XXXX XXXX Balance Owed : {$0.00} - You are reporting inaccurate information for this particular account. Remove the balance indicated, change it to zero and delete this account promptly.

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