Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: TX
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 hope this letter finds you in good health. I am writing to express my growing frustration and concern about the continuous presence of a late open account on my credit report, despite my numerous attempts to have it corrected. It is essential that my credit report accurately reflects my financial history, and I have made diligent efforts to address and rectify the inaccuracies that have adversely impacted my creditworthiness. 

Over the past several months, I have discovered a late open account listed on my credit report when I requested a copy from your agency. This late open account, which pertains to [ describe the account in question, including the creditor 's name and any other pertinent details ], is not representative of my financial history, and I have consistently disputed its accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have initiated disputes with your agency on multiple occasions to correct the inaccuracies related to this late open account. Each time, I have provided all the necessary documentation and evidence to support my claims, expecting a prompt and thorough investigation. 

Unfortunately, my persistent efforts have yielded no resolution or response from your agency within the 30-day investigation period mandated by the FCRA. This continued lack of response infringes upon my rights as a consumer and perpetuates the financial harm I endure due to this inaccurate late open account. 

Despite the considerable evidence I have provided to support my claims and the multiple attempts I have made to address this issue, the late open account continues to negatively impact my credit report, causing ongoing damage to my financial well-being. 

I insist that you take immediate and definitive action to investigate and correct the inaccuracies related to the late open account on my credit report, as mandated by the FCRA. Furthermore, I request a written response outlining the results of your investigation and the actions taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly and effectively will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. I am fully prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including previous dispute letters, supporting evidence, and any other documentation substantiating my claims. These documents unequivocally demonstrate the inaccuracies related to the late open account and emphasize the urgency in their correction. Please help me correct the late open account : XXXX XXXX XXXX XXXX Balance : {$4700.00}

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