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 express my profound frustration and escalating anger concerning the repeated failures to address and correct the late open accounts and remove public records from my credit report. Despite multiple attempts to rectify these issues, the persistent inaccuracies are wreaking havoc on my financial well-being and causing immeasurable XXXX. 

I initially flagged the presence of these detrimental items on my credit report. Subsequently, I have submitted an alarming number of dispute requests, each accompanied by exhaustive documentation to support my claims. Shockingly, these efforts have proven futile, as the late open accounts persist, and public records continue to tarnish my credit history. 

This protracted ordeal is not only damaging my creditworthiness but is also adversely affecting my ability to secure essential financial opportunities. The sheer number of attempts made to correct these discrepancies, without any meaningful resolution, has left me exasperated and disillusioned with the efficacy of your dispute resolution process. 

I demand an immediate and intensive investigation into this matter, with an explicit focus on correcting the late open accounts and removing the public records from my credit report. Furthermore, I insist on a detailed and unambiguous explanation for the consistent failures to address and rectify these issues. 

I expect this matter to be treated with the utmost urgency, and I demand a thorough response within the exact timeframe from the date of this letter. Failure to rectify this matter promptly will compel me to escalate my complaint to regulatory authorities and pursue legal avenues to address these persistent inaccuracies on my credit report. 

Attached to this letter, you will find, once again, the exhaustive supporting documentation for your reference. I trust that this will be the final occasion on which I am compelled to provide evidence for an issue that should have been resolved with expediency. I am asking for your assistance to correct these late open accounts and removed the public record in my credit file : XXXX  XXXX XXXX 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 XXXX 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. 
Chapter 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