Consumer complaint received 2023-09-11
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 reaches you in good health. I am writing to express my deep concern and frustration regarding the treatment of my credit card account with your company.

Over the past several months, I have experienced a series of issues that have caused significant distress and financial hardship due to the handling of my credit card account. I would like to outline the key problems I have encountered : 1. It has come to my attention that my account has been subject to several charge-off attempts, despite my attempts to address any outstanding issues and make necessary payments. These actions have had a severe negative impact on my credit history and financial well-being.

2. I have previously initiated disputes regarding certain items on my account that I believe were inaccurate. Unfortunately, my concerns were not adequately addressed, and these disputes were not resolved to my satisfaction.

3. I have noticed that there are public records associated with my account that have adversely affected my creditworthiness. These records are not a true reflection of my financial history and should be rectified.

These issues have resulted in a significant financial burden and have made it challenging for me to access necessary financial products and services. I believe that the mishandling of my account is contributing to these difficulties.

I kindly request the following actions to resolve these issues promptly : Review and rectify any inaccuracies on my account, including the removal of unjustified charge-off attempts, the resolution of disputed items, and the correction of public records. Provide a detailed explanation of the circumstances leading to these issues and the steps taken to prevent their recurrence. Remove any late payment fees, negative credit reporting, or public records that were unjustly associated with my account. Improve the transparency and effectiveness of your dispute resolution process to ensure that customers can receive timely assistance and resolutions. I expect a comprehensive and prompt resolution of these matters, as the inaccuracies and negative entries on my account are causing severe financial harm and stress. Failure to address these concerns adequately may compel me to seek further assistance from regulatory agencies or legal counsel to protect my rights as a consumer. I believe in resolving this matter amicably and look forward to your prompt response. Please consider this letter as a formal complaint and a request for a thorough investigation into the issues I have raised. The following items are needs to be removed immediately : 1. XXXX XXXX XXXX Balance Owed : {$2400.00} - 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. 

2. XXXX XXXX XXXX Balance Owed : {$0.00} - 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. 

3. XXXX XXXX Balance Owed : {$5700.00} - 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.

4. XXXX XXXX XXXX Balance Owed : {$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 account included in bankruptcy for violating the Fair Credit Reporting Act. 

5. XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.

6. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XXXX I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly. 

7. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/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. 

8. XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX - I did not file a XXXX  XXXX bankruptcy with the courts. When I spoke with the court clerk that did not have records. Please provide the contact information of the 3rd party data furnisher that provided you as the credit reporting agency with this misinformation so I may contact them directly.

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