Consumer complaint received 2023-12-19
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 deep frustration and dissatisfaction with the repeated challenges I have faced in correcting inaccuracies on my credit report. Despite numerous attempts to address this issue, late open accounts persist, and I have encountered difficulties in removing late closed and charged-off accounts. These inaccuracies are causing substantial harm to my creditworthiness and overall financial standing. 

I have attached copies of my credit reports highlighting the specific late open accounts, late closed accounts, and charged-off accounts, along with supporting documentation that demonstrates the inaccuracies. 

Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress. I am well aware of the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been appropriately addressed. 

I urgently request that you conduct an immediate and thorough investigation into this matter and promptly correct the late open accounts and remove the late closed and charged-off accounts from my credit report. Additionally, I expect a detailed written response within 30 days of receiving this complaint, outlining the steps taken to resolve the inaccuracies. 

If my concerns are not addressed within the specified timeframe, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. I am asking for your assistance to correct these late open account and removal of late close and charge off in my credit file : 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. 
XXXXXXXX XXXX XXXX XXXX Balance : {$240.00} - 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 XXXX XXXX XXXX Balance : {$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 XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX XXXX XXXX XXXX Balance : {$430.00} - The limit to this account was a fraction of the amount due it as stated. 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 XXXX XXXX Balance : {$790.00} - 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.

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