Consumer complaint received 2023-09-07
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 formally dispute and express my concern regarding the continuous reporting of accounts that were included in my bankruptcy and accounts that were charged off. I have previously addressed these issues with your bureau, but despite my previous efforts, these inaccuracies persist. I kindly request your immediate attention and resolution of the matter.I filed for bankruptcy, and as per the legal process, all accounts included in the bankruptcy should be appropriately marked and reported as such. However, I have noticed that certain accounts continue to be reported as open or with late payments, which is incorrect. The following accounts are examples of those inaccurately reported XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Kindly provide me with substantiating documentation that unequivocally confirms the validity of the account in question on my credit report, while ensuring that my rights have not been flagrantly violated. In the absence of such compelling evidence, I insist on an immediate eradication of this detrimental data. 

XXXX XXXX XXXX XXXX Owed : {$0.00} - Unless you can promptly furnish me with convincing documentation that definitively affirms the legitimacy of including the following account on my credit report and guarantees the inviolability of my rights, I vehemently demand the expeditious removal of this deleterious information. 

XXXX XXXX XXXX XXXX : {$0.00} - Thoroughly and diligently investigate the inclusion of this account on my credit report, and present me with irrefutable documentation that unquestionably validates its presence and unequivocally assures the preservation of my rights. Should you fail to produce such compelling evidence, I insist on the immediate and unequivocal removal of this unlawfully reported information. 

THE XXXX XXXX BANK XXXX Balance Owed : {$0.00} - XXXX require unequivocal and concrete proof that justifies the presence of this account on my credit report and categorically certifies that my rights have not been wantonly violated. In the absence of such compelling documentation, I demand the swift and decisive eradication of this unlawfully reported data. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The charge off account on my credit report, despite having a XXXX balance, is causing excessive distress and severely tarnishing my XXXX XXXX. I demand that you take immediate and decisive action to thoroughly investigate and expunge the charge off status, thereby ensuring the accuracy and currency of my credit report. I request that these accounts be updated to reflect their accurate status as included in bankruptcy, as required by law. This will ensure the correct representation of my financial history and aid in my credit rebuilding efforts and I am aware that some accounts may have been charged off by the original creditors. However, I have noticed discrepancies in the reporting of the charged-off accounts, including inaccurate balance information and incorrect dates. I request a thorough investigation into the accuracy of the charged-off accounts ' information and ask that any inaccuracies be corrected promptly. I have previously provided documentation supporting my claims, and I trust that your bureau will address these issues promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). The continuous reporting of these inaccuracies negatively affects my creditworthiness and financial stability. Please inform me in writing of the results of your investigation once it is completed. I also request that you provide me with a free copy of my updated and accurate credit report after the necessary corrections or removal have been made.

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