Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
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 bring to your attention my deep dissatisfaction with the repeated unsuccessful attempts to remove late closed accounts, bankruptcy records, and public records from my credit report. The persistent presence of these inaccuracies on my report is not only distressing but also damaging to my financial standing. I feel compelled to escalate this matter formally. 

I submitted a request to your institution to address the inaccuracies in my credit report, specifically related to late closed accounts, bankruptcy records, and public records. Despite multiple attempts and assurances from your customer service representatives that the necessary corrections would be made promptly, these inaccuracies persist on my credit report. 

The inclusion of late closed accounts, bankruptcy records, and public records on my credit report has a severe impact on my creditworthiness and financial reputation. As you are well aware, the accuracy of credit reports is crucial for individuals seeking financial stability and fair access to credit. 

I insist on an immediate and thorough investigation into the reasons for the persistent inaccuracies and the multiple failed attempts to rectify the situation. I request a detailed explanation of the steps being taken to expedite the removal of these items and prevent similar errors in the future. 

Furthermore, I demand a formal, written confirmation of the successful removal of the inaccuracies mentioned above withinthe exact time frame of receiving this letter. Failure to address this concern promptly will leave me with no choice but to escalate this matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove the late close accounts, accounts included in bankruptcy and public record : XXXX XXXX XXXXXXXX Balance : {$1100.00} - 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. 
XXXX XXXX XXXX Balance : {$2100.00} - 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 Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - 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