Consumer complaint received 2023-10-04
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 frustration and dissatisfaction regarding the repeated unsuccessful attempts to correct an inaccurately reported late open account on my credit report and to remove a late closed account and public record. Despite my diligent efforts to rectify these errors, they persist on my credit report, causing significant harm to my financial standing and overall well-being. 

Below, I outline the specific details of the inaccuracies and the numerous attempts I have made to address them : I have diligently followed the established procedures outlined by the Fair Credit Reporting Act ( FCRA ) to dispute these inaccuracies. I have provided all necessary documentation to support my claims, and I have made multiple efforts to correct these errors. However, my previous attempts have been unsuccessful, and these inaccuracies continue to negatively impact my creditworthiness and financial opportunities. 

I kindly request that you conduct a thorough and comprehensive investigation into these matters. Specifically, I request the following actions : Promptly correct the late open account by updating it to accurately reflect my payment history. 
Remove the inaccurately reported late closed account and public record from my credit report. 
I am willing to cooperate fully and provide any additional information required to resolve these issues promptly. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the correction of the late open account and the removal of the late closed account and public record. I am asking for your assistance for correcting the late open account and removing the late closed 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 XXXXXXXX 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 XXXXXXXX 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