Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint regarding inaccurate items on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to removed. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate removal of this violation and compensation for the damages caused and thorough investigation into this violation and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These Chargeoff, Accounts Included in Bankruptcy, and Public Record should be removed : 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 XXXX 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 XXXX XXXX : {$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 XXXX XXXX XXXX : {$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 XXXX XXXX : {$0.00} - The charge off account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my XXXX XXXX. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report. XXXX XXXX  Bankruptcy Reference # XXXX - 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