Consumer complaint received 2024-02-12
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 dispute and request corrections to inaccuracies on my credit report. Upon reviewing my credit report, I discovered several discrepancies that require immediate attention. These inaccuracies include late-open accounts, charge-offs, and late closures, which are adversely affecting my credit score and financial standing.

I have enclosed a copy of my credit report highlighting the inaccuracies for your reference.

I request the following actions be taken : Correction of Late Open Accounts : Several accounts on my credit report were reported as opened late. These late-open accounts inaccurately reflect my credit history and financial responsibility. Please investigate and correct the opening dates of these accounts to accurately reflect their opening dates.

Removal of Charge-Offs : There are charge-offs listed on my credit report that inaccurately reflect my financial history. I dispute these charge-offs as they do not accurately represent my payment history with the respective creditors. Please investigate and remove these inaccurate charge-offs from my credit report. 

Addressing Late Closures : Additionally, there are entries on my credit report indicating late closures of accounts. These late closures inaccurately reflect my financial behavior and creditworthiness. Please investigate and correct the closure dates of these accounts to accurately reflect their closure dates. 

I understand the importance of accurate reporting on credit reports and the impact it has on individuals ' financial lives. Therefore, I urge you to investigate these discrepancies promptly and make the necessary corrections to ensure the accuracy and integrity of my credit report. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address these inaccuracies. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

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

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me 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. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - 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  XXXX XXXX XXXX Owed : {$79.00} - The limit to this account was a fraction of the amount due it 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 : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a zero balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.