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 this letter with an escalating sense of anger and frustration due to the persistent and appalling failure to address the late open accounts and remove the charge-off from my credit report. My numerous attempts to correct these egregious errors have been met with a level of incompetence and negligence that is both astonishing and unacceptable. 

This ordeal commenced, and since then, I have embarked on an unrelenting pursuit of resolution. I have submitted an exorbitant number of dispute requests, painstakingly providing documentation and explanations to substantiate my claims. Shockingly, these efforts have been in vain, as the late open accounts persist like a relentless storm, and the charge-off continues to plague my credit history. 

The magnitude of the frustration I am experiencing can not be overstated. This is not just a bureaucratic inconvenience ; it is a profound violation of my financial rights and an assault on my ability to participate fully in the economic opportunities available to me. 

I demand an immediate and exhaustive investigation into this matter, with a singular focus on rectifying the late open accounts and expunging the charge-off from my credit report. Moreover, I insist on a comprehensive and unambiguous explanation for the serial failures to address and rectify these issues. 

The time for perfunctory responses and half-hearted attempts at resolution is over. 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 choice but to escalate my complaint to regulatory authorities and explore all available legal avenues to address these 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 instance in which I am compelled to provide evidence for an issue that should have been resolved expeditiously. I am asking for your assistance to correct these late open accounts and remove the charge off asccounts in my credit file : XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$26000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 
XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$970.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I 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 XXXX XXXX XXXX Balance Owed : {$1300.00} - 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.

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