Consumer complaint received 2023-11-04
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 express my extreme frustration and disappointment with the ongoing inaccuracies on my credit report despite numerous previous attempts to correct the late open account and remove the late closed and public record. The issues in question pertain to a late open account, late close account, and an inaccurate public record. Despite repeated efforts, these errors remain on my credit report, severely affecting my creditworthiness. 

This late payment status on the account is incorrect. I have diligently tried to have this error rectified on multiple occasions. I have never made a late payment to this creditor, and the account was opened on the correct date as confirmed by the creditor. 

I must emphasize that I have previously contacted your agency to request the correction of these issues, but despite my efforts, these inaccuracies persist. I have provided all required supporting documentation and evidence in the past, including statements from creditors, legal documentation, and other proof of the errors. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to promptly investigate and correct inaccuracies in credit reports. I kindly request that you re-examine the disputes I have previously submitted and expedite the process to rectify these errors. 

I further request that you provide me with an updated credit report as soon as these corrections are made. It is crucial that my credit report accurately reflects my credit history and financial standing, as these inaccuracies are severely impacting my ability to secure credit and loans. I am asking for your immediate assistance to correct or remove the accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} - 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 Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

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 non-monetary relief