Consumer complaint received 2023-11-28
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 formally lodge a complaint regarding the handling of my credit report, specifically concerning the late open accounts and charge-off accounts that have been inaccurately reported. I believe that my credit report does not accurately reflect my financial history, and I request a thorough investigation and correction of the discrepancies at your earliest convenience. 

Upon reviewing my credit report, I have identified the following issues : I have noticed that certain open accounts are reported as being late, which is inaccurate. I have consistently made timely payments on these accounts, and there should be no record of late payments associated with them. The inaccuracies in reporting have had a negative impact on my credit score and financial standing. 

I have observed that there are accounts on my credit report marked as charge-offs. However, these accounts have been inaccurately characterized, as I have either settled these debts or have taken appropriate actions to rectify the situation. The current status of these accounts is not reflective of my financial responsibility. 

I have attached supporting documentation, including payment receipts, settlement agreements, and any other relevant information, to substantiate my claim and expedite the investigation process. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct a reasonable investigation within 30 days of receiving a dispute. Therefore, I kindly request that you promptly initiate an investigation into the aforementioned discrepancies and take the necessary steps to correct the inaccuracies on my credit report. 

Please provide me with written notification of the results of the investigation, including any corrections made to my credit report. Additionally, I request that you inform all creditors involved of the corrections made to ensure that the inaccuracies do not persist across multiple reports. I am asking for your assistance to correct these late open and remove the charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$1300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXXXXXX XXXX  XXXX Balance : {$38000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Balance : {$28000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$2600.00} - 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. 

XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - 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 Balance : {$7900.00} - 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 with 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