Consumer complaint received 2023-10-26
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 deep concern and frustration regarding the numerous attempts I have made to correct inaccuracies on my credit report with Credit Bureaus. Despite my continuous efforts to rectify the late open accounts on my credit report, these inaccuracies persist, and it is negatively impacting my financial well-being. 

Over the past several months, I have made multiple attempts to dispute and correct the open accounts on my credit report. These late open accounts are affecting my credit score and my ability to secure favorable financial terms. Despite submitting the necessary documentation, I have received several responses from your bureau indicating that these late open accounts have been verified as accurate. 

I would like to emphasize that these late open accounts are indeed inaccurate. I have attached the relevant documentation supporting my claim. It is essential that these discrepancies are resolved promptly to prevent further damage to my financial reputation. 

Enclosed, please find the following documents : A copy of my credit report with the inaccuracies highlighted. 
Proof of payments and records demonstrating that these late open accounts are inaccurate. 
Any correspondence I have received from your bureau, including my previous disputes. 
I kindly request that you initiate a thorough investigation into this matter and rectify these inaccuracies on my credit report as soon as possible. This will help restore my creditworthiness and ensure that I am not unfairly burdened with the consequences of these inaccuracies. 

As per the Fair Credit Reporting Act ( FCRA ), I expect that this dispute will be resolved within 30 days. I also request that you provide me with a written response detailing the results of your investigation, any corrections made to my credit report, and a free copy of my updated credit report. 

Please acknowledge the receipt of this letter within 15 days, and keep me informed of the progress throughout the investigation process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance : {$0.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late from reporting on this account. 

XXXX XXXX XXXX XXXX XXXX : {$110.00} - This account included in bankruptcy is wrong and this bankruptcy is out of statute for reporting on a credit report. And it should no longer be reported. Please update the filing date and then remove it. 

DP OF EDUC XXXX Balance : {$6800.00} - 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. 

DP OF EDUC XXXX Balance : {$0.00} - Please take off the late things from this account because I think I made my payment on time. 

DP OF EDUC XXXX Balance : {$7300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.

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