Consumer complaint received 2023-10-23
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 formally complain about the persistent issue of unresolved charge-off and late closed accounts that continue to negatively impact my credit report. Despite my multiple attempts to dispute and remove these accounts, they persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the charge-off and late closed accounts on my credit report. Immediately, I reported the inaccuracies to your credit reporting agency and initiated disputes for each of the accounts in question. 

Subsequently, I have made numerous attempts to dispute these accounts by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the charge-off and late closed accounts continue to negatively affect my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these charge-off and late closed accounts from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future inaccuracies on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the accounts : XXXX XXXX XXXX  Balance : {$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 XXXX Balance : {$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 XXXX Balance : {$810.00} - XXXX 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 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. 
XXXX XXXX XXXX : {$11000.00} - 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 : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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