Consumer complaint received 2024-02-19 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 regarding the inaccurate reporting on my credit report and to request immediate corrective action. Specifically, I am concerned about the late open status, as well as the presence of late closed and charge-off accounts, which are negatively impacting my creditworthiness and financial standing. 

Upon reviewing my credit report, I discovered that the late open status, late closed, and charge-off accounts still inaccurate in my credit file. It is important to note that these entries are inaccurate and do not reflect my credit history accurately. 

I have previously submitted disputes regarding these inaccuracies providing supporting documentation, including any supporting documents provided, such as payment records, correspondence with creditors, etc. However, despite my efforts, the inaccuracies persist on my credit report, causing significant harm to my credit score and financial reputation. 

The presence of these inaccuracies not only affects my ability to access credit and financial services but also undermines my confidence in the accuracy of credit reporting systems. Therefore, I urgently request that you take immediate action to correct the following issues : Rectify the late open status on my credit report. 
Remove the late closed and charge-off accounts from my credit report without further delay. 
Provide me with written confirmation once the corrections have been made. 
Additionally, I urge you to implement measures to prevent similar inaccuracies from occurring in the future, including improving verification procedures and ensuring the accuracy of information reported to credit bureaus. 

I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. 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 Balance Owed : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. XXXX XXXX Balance Owed : {$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 XXXXXXXX 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 XXXXXXXX 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} - I 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.

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