Consumer complaint received 2023-11-04
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 dispute and request the correction of inaccurate information on my credit report. I recently obtained a copy of my credit report and found that there are discrepancies that need to be addressed. Specifically, I would like to dispute a late open account and request the removal of late close and charge-off accounts listed on my credit report. 

The late payment status on this account is incorrect. I have never had a late payment with this creditor, and the account was opened on the correct date as reported by the creditor. 
The reported late closure and charge-off dates on these accounts are inaccurate. These accounts were settled and closed in a timely manner, and the reported dates are incorrect. 

I kindly request that you investigate these discrepancies and take the necessary actions to correct the information on my credit report. According to the Fair Credit Reporting Act ( FCRA ), inaccurate information should be promptly corrected by the credit reporting agency. 

I am attaching supporting documentation, including statements from the creditor ( s ) indicating the accurate information, to assist in the verification and correction process. Please find enclosed the following documents : I kindly request that you investigate and correct the inaccuracies as soon as possible, as these discrepancies are negatively affecting my creditworthiness. It is essential that my credit report accurately reflects my credit history. 

Furthermore, I request that you provide me with a copy of my updated credit report once these corrections have been made.I am asking for your assistance to correct or removed the accounts in my credit file : XXXX XXXX Balance : {$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 Balance : {$230.00} - 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 : {$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 : {$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 Balance : {$68.00} - 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 XXXX : {$430.00} - 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 Balance : {$790.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$790.00} balance indicating if it is a charge-off account. Please stop this erroneous reporting ASAP.

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