Consumer complaint received 2023-11-25
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 bring to your attention the ongoing issues I have been experiencing with the correction of late open accounts and the removal of late closed accounts from my credit report. Despite my multiple attempts to address and rectify these discrepancies, the matter remains unresolved. 

I have diligently followed the appropriate channels and submitted the necessary documentation to support my claims. However, it has become increasingly frustrating to witness the persistence of inaccuracies on my credit report, impacting my creditworthiness and financial standing. 

I initially brought this matter to your attention, and since then, and regrettably, despite the passage of time and my XXXX efforts, the issues persist. 

The inaccuracies on my credit report are adversely affecting my ability to secure favorable financing terms and are causing undue stress and inconvenience. I believe in the importance of accurate credit reporting as it directly influences various aspects of my financial life. Therefore, I am compelled to escalate this matter and seek a prompt resolution. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the late open accounts and remove the late closed accounts from my credit report. Additionally, I am seeking clarification on the reasons for the repeated failures to address this issue adequately. 

I understand that errors can occur, but the persistent nature of this problem raises concerns about the effectiveness of your dispute resolution process. I trust that you will treat this matter with the urgency it deserves and provide a comprehensive response within the exact timeframe from the date of this letter. 

If the matter is not resolved satisfactorily within the specified timeframe, I XXXX have no choice but to escalate my complaint to the relevant regulatory authorities. I am asking for your assistance to correct or remove the following accounts in question : XXXX XXXX XXXX Balance Owed : {$190.00} - 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 : {$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 Balance : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 
XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed and Balance is XXXX. Please adjust immediately. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$7300.00} - 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.

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