Consumer complaint received 2023-11-09
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 disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts, and removed or correct the late closed accounts, and late open accounts on my credit report with Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts, late closed accounts on my credit report and promptly contacted Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review, and I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated, and I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts, late closed accounts, and charge-offs. I contacted Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with Credit Bureau 's requests. The presence of these inaccuracies on my credit report is significantly impacting my financial and personal well-being. I request the following : Immediate and effective action to correct the late open accounts, and remove the late closed accounts on my credit report. Clear communication regarding the status of my case and the steps being taken to rectify the issue. A formal written acknowledgment of the correction of these inaccuracies. Compensation for any financial losses or damages incurred as a result of these inaccuracies. I am asking for your assistance to correct or removed the following accounts : XXXX XXXX Balance : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX Balance : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 
XXXX XXXX Balance : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX Balance Owed : {$110.00} - This account included in bankruptcy is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported. Please update the filing date and then remove it. 
DP OF EDUC XXXX Balance : {$6800.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
DP OF EDUC XXXX Balance : {$0.00} - Please take off the late things from this account because I think I made my payment on time. 
DP OF EDUC XXXX Balance : {$7300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.

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