Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: GA
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 formally express my frustration and disappointment regarding the several unsuccessful attempts to correct late open accounts and remove charge-off accounts from my credit file. Despite my persistent efforts to rectify these inaccuracies, they continue to adversely affect my credit report, impeding my ability to secure credit and financial opportunities. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and communicating with your representatives. Unfortunately, despite these efforts, the inaccuracies persist, significantly impacting my creditworthiness and causing ongoing financial challenges. 

I request an immediate and thorough investigation into these matters to correct the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-off accounts. 

Failure to resolve these issues promptly may compel me to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$1300.00} - 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 Balance : {$38000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Balance : {$28000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$2600.00} - 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 Balance : {$16000.00} - 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 : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please 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 non-monetary relief