Consumer complaint received 2023-10-09
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 hope this letter finds you well. I am writing to express my deep concern and frustration regarding the ongoing issues I have encountered while attempting to correct the late open account associated with XXXX XXXX  XXXX XXXX Owed : {$13000.00}. I have made multiple attempts to address this matter, but regrettably, the situation remains unresolved. 

I initially opened this account with your company, and I have always strived to maintain a responsible and timely payment history. However, over the past few months, I have noticed discrepancies in the billing statements and payment processing. Despite my numerous attempts to rectify the situation, my concerns have not been adequately addressed. 

The specific issues I have encountered include : The billing statements I have received do not reflect the correct account balances and have inconsistent due dates. This has led to confusion and difficulties in managing my payments. 

My payments have been delayed due to issues on your end, resulting in late fees and potential damage to my credit score. I have made multiple calls to your customer service department to rectify these delays, but the problem persists. 
I have experienced a significant lack of communication from your company regarding the status of my account and the steps being taken to resolve these issues. It is crucial for me to receive timely updates and information to address my concerns effectively. 

I value my relationship with Credit Bureaus and have always been a loyal customer. However, the recurring problems with my account have left me feeling frustrated and dissatisfied with the level of service I have received. I believe it is in both our interests to resolve this matter promptly to ensure the accuracy and integrity of my account. 

I kindly request that you take immediate action to address the issues mentioned above. Specifically, I am requesting the following : A thorough review and correction of my account 's billing statements and payment history to ensure accuracy. 

Reimbursement for any late fees or penalties that have been incurred as a result of these issues. 

Improved communication regarding the status of my account and any actions being taken to resolve these problems. 

I expect a prompt response to this complaint and a clear plan of action for resolving these issues within the exact time fame.. If these concerns are not adequately addressed, I may have no choice but to escalate this matter further, which could include seeking legal remedies. I am asking for yout immediate assistance to corrector remove this late open account as well as the charge off accounts : XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$13000.00} - It seems that the 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 Balance Owed : {$4400.00} - 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 : {$2700.00} - 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