Consumer complaint received 2023-11-03
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 lodge a formal complaint regarding the numerous and unsuccessful attempts I have made to correct late open accounts and remove a public record from my credit report. These inaccuracies are severely impacting my financial well-being, and I am seeking your immediate assistance to rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple late open accounts that inaccurately portray my credit history. I have consistently made on-time payments, and these accounts should not be marked as late. Despite several attempts to have this issue corrected, it remains unresolved.

Furthermore, there is a public record entry on my credit report that is damaging my creditworthiness. I have no knowledge of this public record, and it is adversely affecting my ability to secure credit and financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a comprehensive review of the late open accounts and correct their status to accurately reflect my on-time payment history.

Investigate the origin of the public record entry and remove it from my credit report if it is found to be inaccurate or fraudulent.

Provide me with written confirmation once the late open accounts have been corrected and the public record has been removed from my credit report.

Ensure that no further negative impacts occur on my credit report due to these issues.

I understand the importance of maintaining accurate credit reporting and the impact it has on my financial future. I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation as promptly as possible.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these issues are not resolved to my satisfaction within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to correct or remove the late open accounts and public record : XXXX XXXX XXXXXXXX Balance Owed : {$2100.00} - 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 XXXXXXXX Balance Owed : {$1000.00} - 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 Bankruptcy Reference # : XXXX - 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 explanation