Consumer complaint received 2023-12-15
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 formally file a complaint regarding the ongoing and unresolved challenges in correcting late open accounts and the removal of late closed entries on my credit report. This complaint marks numerous attempts to rectify these issues, and the lack of resolution is causing significant distress and negatively impacting my financial standing. 

Despite my persistent attempts to address these discrepancies through your dispute resolution process, the corrections have not been made, and the inaccurate information remains on my credit report. 

Despite multiple attempts, the late open accounts and inaccuracies in the reporting of late closed entries persist on my credit report, casting doubt on the accuracy and effectiveness of your correction process. 

The inaccuracies in reporting late open accounts and late closed entries negatively impact my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear communication regarding the status and resolution of my dispute has added to my frustration and uncertainty about the steps being taken to address the inaccuracies. 
I urge you to conduct a thorough and expedited re-investigation into both the late open accounts and the late closed entries on my credit report, considering all the evidence and documentation provided during my previous dispute attempts. 

Upon confirmation of the inaccuracies, I insist on the immediate correction of the late open accounts and removal of the late closed entries from my credit report to prevent further harm to my creditworthiness. 

I expect clear and consistent communication from your bureau, providing regular updates on the progress of the re-investigation and the steps being taken to rectify the issues. 

I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. I am asking for your assistance to correct these late open accounts and removal of late closed accounts in my credit file : XXXX XXXX Balance : {$0.00} - Please take off the late things from this account because I think I made my payment on time. 
XXXX XXXX Balance : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 
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. 
DP OF EDUC XXXX Balance : {$6700.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 
DP OF EDUC 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. 
DP OF EDUC 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. 
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.

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