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 write this letter with an unprecedented sense of anger and frustration that has been fueled by the relentless failure to address and correct the late open accounts, late closure accounts, and public records on my credit report. The numerous attempts made to rectify these glaring errors have not only proven futile but have pushed me to a point of exasperation and incredulity.

The genesis of this ongoing nightmare can be traced back and since then, I have undertaken a herculean effort to correct these inaccuracies. I have submitted an exorbitant number of dispute requests, each accompanied by a meticulous documentation trail and exhaustive explanations to validate my claims. Yet, despite my relentless pursuit of resolution, the late open accounts persist like a relentless storm, the late closure accounts linger like a stain, and public records continue to mar my credit history.

This is not merely an administrative failure ; it is a blatant betrayal of trust and a gross negligence of your responsibility to maintain accurate credit reporting. The repercussions of these persistent inaccuracies extend far beyond mere inconvenience ; they are systematically sabotaging my financial standing and thwarting my ability to participate fully in economic opportunities. 

I demand an immediate and uncompromising investigation into this matter, with an explicit focus on rectifying the late open accounts, removing the late closure accounts, and expunging the public records from my credit report. Additionally, I insist on a comprehensive and unequivocal explanation for the consistent failures to address and rectify these issues. 

The time for half-hearted responses and feeble attempts at resolution has passed. I expect this matter to be treated with an unprecedented level of urgency, and I demand a substantive response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will leave me with no recourse but to escalate my complaint to regulatory authorities and pursue legal remedies to address these egregious and persistent inaccuracies on my credit report. 

Enclosed with this letter, you will find, once again, the exhaustive supporting documentation for your reference. I sincerely hope that this will be the final occasion in which I am compelled to provide evidence for an issue that should have been resolved with utmost expediency. I am asking for your assistance to correct these late open accounts and remove the late closure and public record in my credit file : XXXX XXXX XXXXXXXX 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 XXXX 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 XXXX XXXXXXXX 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