Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: AZ
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 file a formal complaint against your organization for the continuous and unsuccessful attempts to correct a late open account, remove late closed and charge-off accounts, and accurately address an account included in bankruptcy and a public record on my credit report. Despite multiple efforts to address and rectify these inaccuracies, my credit report continues to contain information that is materially inaccurate, causing severe harm to my financial standing and creditworthiness. 

I have diligently followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence supporting my claims of inaccuracies in these accounts and public records. However, your organization 's repeated failures to correct these issues are causing substantial harm to my creditworthiness and financial stability. 

It is crucial to emphasize that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate accounts and public records on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account, late closed and charge-off accounts, and the account included in bankruptcy and public record on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect the account status, history, and removal of late closed and charge-off accounts. 
Accurate representation of the bankruptcy in my credit report, including the proper classification of the bankruptcy chapter. 
Removal of the public record if it is not valid or properly reported. 
Provision of written confirmation of the correction and any updates made to my credit report. 

Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate correction of these inaccuracies and public records on my credit report. I am asking for your help to correct or remove the following accounts : XXXX XXXX Balance : {$0.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 

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. 

XXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX Balance : {$0.00} - 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 {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX Balance : {$0.00} - I would like you to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. Please remove this public record for violating the Fair Credit Reporting Act. 

XXXX XXXX XXXX Discharged XXXX XX/XX/2018 - 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