Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I am writing to file a formal complaint regarding the continued presence of inaccurately reported accounts on my credit report, despite many attempts to have them removed. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my XXXX XXXX and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the removal of the accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me remove these accounts immediately : XXXX XXXX XXXX XXXX : {$XXXX} - 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 XXXX XXXX : {$XXXX} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXX Balance Owed : {$XXXX} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

XXXX XXXX XXXXXXXX Balance Owed : {$XXXX} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why an {$XXXX} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 

XXXX XXXX XXXX XXXX : {$XXXX} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX XXXX Balance Owed : {$XXXX} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX  XXXX Balance Owed : {$XXXX} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX XXXX : {$XXXX} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.