Consumer complaint received 2023-10-19
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 deep concern and frustration regarding the ongoing issues with my credit report as managed by your credit bureau. I have made several attempts to rectify the inaccuracies in my report, specifically in relation to late open accounts and a late closed public record, but my efforts have thus far been in vain. 

I have attached copies of previous correspondence, certified mail receipts, and all relevant supporting documents related to these disputes. My continuous attempts to correct my credit report have been met with inefficiency, delay, and a lack of transparency in the resolution process.

The specific issues I am facing are as follows : I have disputed several late open accounts that do not accurately reflect my credit history. These inaccuracies are severely affecting my credit score and my ability to access financial opportunities. 
There is a late closed and public record that are incorrectly associated with my credit report. This is not only damaging my credit profile but is also causing significant distress and inconvenience. 

I have followed all prescribed procedures for disputing inaccuracies in my credit report as per the Fair Credit Reporting Act ( FCRA ). I have provided clear and concise explanations, along with supporting evidence, to substantiate my claims. 

I kindly request that you thoroughly investigate and rectify these issues promptly. Furthermore, I would appreciate timely updates on the status of these disputes, as required by the FCRA. 

Please find enclosed copies of the following documents : Copies of previous dispute letters. 
Supporting documents that prove the inaccuracies in my credit report. 
Certified mail receipts as proof of correspondence. 
I understand the importance of accurate credit reporting for both creditors and consumers, and I am committed to working together with your bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and delay in resolving these disputes are causing me undue stress and financial difficulties. I am asking for your immediate assistance to correct or remove the following accounts and public record : XXXX  XXXX XXXX Balance Owed : {$390.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX* Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX  XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 - 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.

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