Consumer complaint received 2023-10-07
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 hope this letter finds you well. I am writing to express my profound dissatisfaction and frustration regarding the recent attempt to address the late open account on my credit report, as well as the removal of late closed and charge-off accounts. This marks the second time I am addressing these issues, and it is disheartening that they persist without resolution. 

As previously communicated, I brought to your attention several discrepancies in my credit report, primarily revolving around a late open account that has been inaccurately reported. Additionally, my credit report continues to display late closed and charge-off accounts that have already been addressed and resolved in accordance with the terms negotiated with Credit Report. I had hoped that our previous correspondence would lead to a swift and accurate resolution, but I am disappointed to find that these issues remain unaddressed. 

I have attached copies of my previous correspondences with your company, as well as the credit report that clearly illustrates the ongoing discrepancies. It is crucial to reiterate that these inaccuracies are detrimental not only to my financial standing but also to my ability to secure loans, housing, and employment opportunities. 

I urgently request that you take immediate action to investigate and correct the inaccuracies on my credit report, including : Rectifying the late open account and updating it to reflect the accurate payment history. 
Removing the late closed and charge-off accounts that have already been settled and satisfied in accordance with the terms agreed upon with Credit Report. 
Furthermore, I kindly request that you provide me with written confirmation once these corrections have been made. The accuracy of my credit report is essential, and it directly impacts my financial well-being. 

I also request an explanation of the measures your company is taking to prevent such errors from occurring in the future. Ensuring the accuracy of credit reports is vital for maintaining customer trust and financial integrity. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. Please assist me to correct and remove the following accounts : XXXX XXXX XXXX Balance : {$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. 

XXXX XXXX XXXX XXXX  Balance : {$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 Balance : {$810.00} - I 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 Balance : {$11000.00} - 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 : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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