Consumer complaint received 2024-06-28 00:00:00
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.
State: MO

Complaint narrative:
I am writing to file a formal complaint against the Credit Bureaus regarding their persistent failure to correct inaccurate information on my credit report. Despite my repeated attempts to resolve these issues over the past several months, the XXXX XXXX has not taken the necessary actions to remove the late closed accounts and the charge-off entries that do not belong to me. I have provided extensive documentation to support my claims, including payment records, statements, and correspondence from creditors confirming that these entries are incorrect. Despite providing evidence that these accounts were not closed late, they remain incorrectly reported on my credit report. However, they persist on my credit report, negatively impacting my XXXX XXXX and financial standing. I have sent multiple letters and made numerous phone calls to the credit bureaus. Despite my efforts, the XXXX XXXX has XXXX to remove the accounts or provide a satisfactory explanation for their refusal to do so. I respectfully request for your intervention to ensure that the credit bureau complies with the Fair Credit Reporting Act ( FCRA ) by accurately reporting my credit information. I trust that you will take a swift and decisive action to resolve this matter. I have enclosed copies of all correspondence and documentation related to my disputes for your review. The following accounts should be remove as soon as possible : XXXX. XXXX XXXX XXXX XXXX : {$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 XXXX : {$0.00} - 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 XXXXXXXX Balance Owed : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information may be inaccurate. XXXX removal of this item is necessary. 

XXXX. XXXX FCU XXXX XXXX XXXX : {$750.00} - This particular account is undoubtedly placed as a charge-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off. The balance is truly incorrect, if possible, replace it with XXXX or eliminate the item certainly. 

XXXX. XXXX XXXX XXXX XXXX : {$140.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX XXXX Balance Owed : {$400.00} - XXXX 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 XXXXXXXX Balance Owed : {$1400.00} - XXXX 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. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - 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.

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