Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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 deep frustration and dissatisfaction with the repeated unsuccessful attempts I have made to correct late open accounts and remove the public record on my credit report. Despite my persistent efforts and valid claims, these late open accounts have not been rectified, causing considerable harm to my credit profile and financial well-being. 

I first identified late open accounts inaccurately listed on my credit report. These entries do not accurately reflect my financial history and have a detrimental impact on my credit score. 

Upon discovering these late open accounts, I promptly initiated disputes with your organization by following the prescribed dispute resolution process on your website. I provided supporting documentation and requested the correction or removal of these late open accounts. Unfortunately, my initial disputes were not resolved in my favor. 

Frustrated by the lack of resolution, I made multiple follow-up attempts to dispute and correct these late open accounts. I supplied additional evidence and communicated with your customer support, hoping to rectify this situation. 

Despite my continuous efforts to correct these inaccuracies and provide substantiating evidence, I have not received a satisfactory resolution from your organization. The late open accounts continue to adversely affect my credit score, making it difficult for me to access credit and financial opportunities. 

I demand immediate action to correct these inaccuracies on my credit report, specifically by removing the late open accounts and ensuring that my credit history accurately reflects my financial record. I also request written confirmation once these corrections or deletion have been made. 

Failure to address this matter promptly not only undermines my ability to access credit and financial opportunities but also erodes my trust in your organization 's ability to manage accurate credit reporting. I am asking for your assistance to correct these accounts and remove the public record : XXXX XXXX XXXX Balance Owed : {$2100.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} - You are reporting different information from other bureaus. PeXXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX Bankruptcy Reference # : 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.

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