Consumer complaint received 2023-09-22
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 am writing to express my profound frustration and disappointment regarding the numerous unsuccessful attempts to remove accounts that were included in my bankruptcy filings from my credit report. Despite my persistent efforts and repeated disputes, these accounts continue to be inaccurately reported, severely affecting my ability to rebuild my financial standing after bankruptcy. This letter serves as my formal complaint concerning these unresolved issues. 

I have previously reported these inaccuracies to your agency on multiple occasions, providing the necessary documentation, including bankruptcy court documents, to demonstrate that these accounts were discharged as part of my bankruptcy proceedings. However, despite my diligent efforts and the legal resolution of these debts through bankruptcy, the reporting of these accounts persists on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The continued presence of these accounts, which should have been removed upon the completion of my bankruptcy, not only violates the FCRA but also hinders my ability to reestablish my financial stability and move forward. 

I am requesting that your agency conducts a thorough and comprehensive investigation into these accounts, including reviewing the supporting documentation I have provided. It is imperative that you take immediate action to correct this egregious error and ensure that these accounts are removed from my credit report without further delay. 

I also insist that you notify all the credit reporting agencies to which you have furnished this inaccurate information, as required by law, to prevent the continued dissemination of these errors. 

I expect your agency to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the accounts included in my bankruptcy filings from my credit report. Please consider the gravity of this situation and the impact it has on my financial well-being and future opportunities. 

If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. Kindly assist me to remove the following accounts in bankruptcy : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. 

XXXX XXXX XXXX Balance Owed : {$0.00} - Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. 

XXXX XXXX Balance Owed : {$0.00} - Thoroughly and diligently investigate the inclusion of this account on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. 

XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} - I require unequivocal and concrete proof that justifies the presence of this account on my credit report and categorically certifies that my rights have not been wantonly violated. In the absence of such compelling documentation, I demand the swift and decisive eradication of this unlawfully reported data. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I demand the swift and decisive eradication of this unlawfully reported data. I insist on the immediate and unequivocal removal of this unlawfully reported information.

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