Consumer complaint received 2024-07-27 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: TX

Complaint narrative:
I am writing to formally request the removal of inaccurate information from my credit report. Despite my numerous attempts to resolve these issues, the following accounts remain incorrectly reported : This is my attempt to have these inaccuracies corrected. The persistence of these errors is causing significant harm to my credit score and overall financial health. I have provided all necessary documentation and have complied with every request for information in my previous disputes. Enclosed, you will find copies of my previous correspondence, dispute resolutions, and any supporting documentation related to this matter. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to have these inaccuracies investigated and corrected promptly. I request that you could help me immediately remove the above-mentioned inaccuracies from my credit report and provide written confirmation of the removal of these items.These are the following accounts i want to be removed immediately : 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 may be inaccurate. I need this account removed NOW. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I 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 XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 

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. ALLY FINCL XXXX Balance Owed : {$0.00} - 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 fix it immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} - 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 XXXX XXXX : {$200.00} - 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.

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