Consumer complaint received 2023-10-19
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 disappointment concerning the multiple, unsuccessful attempts I have made to correct the inaccuracies in my credit report. Specifically, I have been trying to address a late open account and the presence of late closed and charge-off accounts on my report. 
I have disputed a late open account that does not accurately reflect my credit history. This error is adversely affecting my credit score and causing financial hardship. 

There are late closed and charge-off accounts listed on my credit report that should have been removed, as they no longer accurately reflect my financial history. These accounts are significantly impacting my credit profile. 

I have made numerous attempts to follow the procedures outlined in the Fair Credit Reporting Act ( FCRA ) to rectify these discrepancies. In each dispute, I have provided clear explanations and submitted supporting evidence to substantiate my claims. 

Unfortunately, my efforts have not yielded the desired results, and I continue to face the following issues : My previous dispute letters and supporting documents have not received a timely response, leaving me uncertain about the status of my disputes. 

The delay in resolving these inaccuracies has caused severe financial hardships and has adversely affected my ability to access credit and financial opportunities. 
The presence of these inaccuracies continues to harm my credit score, making it challenging to secure fair lending terms and credit opportunities. 

I understand the importance of accurate credit reporting for both consumers and creditors and am committed to working with your credit bureau to ensure the correctness of my credit profile. However, the lack of responsiveness and efficiency in addressing my concerns has left me feeling frustrated and powerless. 

I kindly request that you conduct a thorough investigation into the issues I have outlined and rectify them without further delay. I also request timely updates on the status of my disputes, as required by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts, providing evidence of my earnest attempts to rectify these inaccuracies. Please help me correct or remove the following accounts : XXXXXXXX XXXX XXXX Balance : {$470.00} I demand a thorough examination of the status of this account, as it is utterly incorrect from the outset. I categorically assert that I have never been late on this account. My record unequivocally demonstrates that this account was consistently paid, without a single missed payment. I expect an immediate and accurate update to correct this gross error. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Kindly furnish me with substantiating documentation confirming the validity of the account in question on my credit report, while ensuring that my rights have not been infringed. In the absence of such evidence, I request an immediate removal of this detrimental data. 

XXXX XXXX XXXX  Balance : {$0.00} Please remove this account from my credit report, as it is only being reported on your credit bureau and not on others. I have confirmed with the creditor that the account has been paid in full and closed, and therefore there is no reason for it to be reported on my credit report. Kindly provide written confirmation once the account has been removed. 

XXXX XXXX XXXX Balance : {$0.00} I need to dispute charge off accounts that are still being reported on my credit file with a XXXX balance. This account has been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.

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