Consumer complaint received 2023-11-25
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 dissatisfaction and escalating frustration with the continued presence of the late closed account and charge-off on my credit report, despite my second attempt to rectify these issues. The persistence of these inaccuracies is not only impinging on my financial standing but is becoming an intolerable impediment to my ability to engage in essential financial transactions. 

I initially brought these issues to your attention on [ date of first communication ], and regrettably, my previous efforts have proven to be in vain. I am now embarking on a second attempt to rectify the late closed account and charge-off discrepancies on my credit report. 

I have followed the established dispute resolution process diligently, providing all necessary documentation and evidence to support my claims. However, it appears that the corrective measures promised during my first complaint have not been implemented, and the inaccuracies persist. 

This situation is unacceptable and raises serious concerns about the effectiveness of your dispute resolution process. The presence of these inaccuracies on my credit report not only damages my creditworthiness but also erodes my trust in the integrity of your credit reporting system. 

I demand an immediate and thorough investigation into this matter, with a focus on rectifying the late closed account and charge-off on my credit report. Additionally, I insist on a detailed and unambiguous explanation for the continued failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a comprehensive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no option but to escalate my complaint to regulatory authorities and explore legal avenues to address these persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the supporting documentation for your reference. I trust that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to remove these late closure and charge off accounts in my credit file : XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX XXXX XXXXXXXX Balance : {$230.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
XXXX XXXX Balance : {$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 XXXX XXXX Balance : {$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 Balance : {$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 : {$68.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX Balance : {$430.00} - 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. 
XXXX XXXX XXXX XXXXXXXX Balance : {$790.00} - Evaluate this reporting by making a revision of the information provided. Charge off account should show a {$0.00} balance so why is it that there is a {$790.00} balance indicating if it is a charge off account. Please stop this erroneous reporting ASAP.

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