Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to express my continued dissatisfaction with the handling of my recent request to correct late open accounts and remove the charge off from my account. 

The second attempt to rectify these matters has been as ineffective as the first. Despite the assurances provided by your representatives, the late open accounts persist, and the charge off remains on my record. This prolonged and inadequate resolution process has caused me significant distress and financial hardship. 

As a loyal customer, I expected a more efficient and proactive response from your company in addressing this matter. The failure to promptly correct the late open accounts and remove the charge off has not only impacted my creditworthiness but has also eroded my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate and decisive action to rectify this situation. I request that you expedite the process of correcting the late open accounts and removing the charge off from my record without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial difficulties and stress caused by this oversight. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution promptly. With this, I am asking for your assistance to remove or correct these accounts in my credit file : 1. XXXX XXXX XXXX XXXX Balance : {$36000.00} - 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. 

2. XXXX XXXX XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

3. XXXX XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

4. XXXX XXXX XXXXBalance : {$460.00} - 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. 

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

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

7. XXXX  XXXX XXXX Balance : {$250.00} - This particular account is undoubtedly placed as a charged-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 to XXXX or eliminate the item certainly. 

8. XXXX XXXX Balance : {$3600.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why an {$11000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

9. XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately.

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