Consumer complaint received 2024-01-05 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 hope this letter reaches you under favorable circumstances. I am writing to express my continued dissatisfaction and concern regarding the unresolved issues related to multiple attempts to remove both late closed and charge-off accounts from my credit file. Despite my persistent efforts, these entries persist, negatively impacting my creditworthiness and causing significant distress. 

I have diligently pursued the correction of these entries through multiple attempts, as outlined below : Initiated contact with your customer service department to address the inaccurately labeled late closed account on my credit file. 
Follow-up communication after the initial inquiry did not yield a satisfactory resolution. 
Submitted written documentation and evidence to demonstrate the inaccuracy of the late closed account entry. 

Reported the inaccurately labeled charge-off account on my credit file to your institution. 
Submitted a formal written complaint, including comprehensive documentation and evidence supporting the inaccurate nature of the charge-off account. 
Engaged in follow-up communication, providing any additional information requested and cooperating fully in the investigation process. 
Despite these concerted efforts, both issues persist, causing undue stress and affecting my confidence in the accuracy and reliability of the information on my credit file. 

I implore you to conduct a thorough and expedited investigation into both matters and take immediate action to correct the inaccurately labeled late closed and charge-off accounts from my credit file. Additionally, I request transparent communication regarding the steps your institution is taking to prevent similar incidents in the future. 

If these matters are not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issues to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these late closed and charge off accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX : {$810.00} - 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 : {$11000.00} - 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 : {$0.00} - 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 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.

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 non-monetary relief