Consumer complaint received 2023-12-01
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 extreme dissatisfaction and frustration concerning the numerous unsuccessful attempts to correct the late opening of my account and the removal of the late closure status with Credit Bureaus. Despite persistent efforts on my part and multiple communications, these issues remain unresolved, causing significant inconvenience and distress. 

Initial attempt to open the account was made, but I encountered an issue with the process. 

Contacted customer service immediately and was informed that the issue would be resolved promptly. 

Followed up on the progress, only to find that the problem persisted. Customer service assured me that it was being addressed. 

Subsequent attempts to open the account were made, yet the issue continued to persist. 

Numerous calls and efforts were made to customer service, each time receiving assurances that the matter was being escalated, but the account remains unopened with a late closure status. 

The prolonged delay in correcting these issues has not only hindered my ability to access the account 's services but has also created unnecessary stress and uncertainty. 

I urgently request the following actions : Immediate and expedited investigation into the root cause of the late account opening and late closure status. 

Transparent communication regarding the steps being taken to correct these issues. 

Swift resolution of the account opening problem, with confirmation of the successful resolution. 

Removal of the late closure status from my account. 

Assurance that my account will be fully functional and restored to its proper status once these issues are resolved. XXXX XXXX XXXX XXXX Balance Owed : {$120.00} - 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. 
XXXX XXXX Balance Owed : {$0.00} - 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. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - 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. 

Compensation for the inconvenience and any potential financial impact caused by the delayed account opening and late closure status. 

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the late close and correct the late open accounts in my credit 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