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 ongoing frustration and concern regarding the repeated attempts I have made to remove an accounts included in bankruptcies and public records from my credit report. Despite my diligent efforts to rectify this issue, it persists, causing significant harm to my financial well-being. 

I initially contacted your agency on date of initial dispute to report and dispute an account that is inaccurately included in bankruptcies and public records on my credit report. Since then, I have made several additional attempts to address this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. 

Regrettably, despite my persistent efforts, this account remains on my credit report, negatively impacting my credit score, financial credibility, and overall trust in your agency 's ability to maintain accurate credit reports. This inaccurately reported account has a direct impact on my ability to secure loans, housing, employment opportunities, and other financial endeavors.

I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of this account in bankruptcies and public records. It is crucial to emphasize that this account does not belong in bankruptcies or public records and is not a reflection of my financial responsibility.

I urgently request that you take immediate and definitive action to remove this account from the bankruptcies and public records section of my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the correction has been made.

Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Ensuring the accuracy of credit reports is paramount for maintaining trust and confidence in the financial system. 

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 remedies to protect my rights as a consumer. I am asking for your immediate assistance to remove these following items : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00}.

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