Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: AZ
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 lodge a complaint regarding several inaccuracies in my credit report, which include multiple instances of late open, charge-off, late closed accounts, accounts included in bankruptcy, and public records. These errors have had a significant negative impact on my creditworthiness, and I urgently request your agency 's assistance in rectifying these issues, as per the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please find below a comprehensive list of the inaccuracies that require immediate attention for correction and removal : XXXX XXXX XXXX : {$0.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXX XXXX : {$0.00} - I 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 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, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

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

XXXX XXXX XXXX XXXXXXXX Balance {$560.00} - 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 Balance : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported because it is past the 10 years statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 

I received notifications of multiple late open attempts on my accounts. These late open attempts were not authorized by me, and I did not initiate these actions. These unauthorized late open attempts have raised serious concerns about the security of my financial information. 


Under the FCRA, I demand that you : Initiate an immediate investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within the mandated XXXX period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to adhere to the FCRA can result in legal consequences, and I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law.

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