Consumer complaint received 2024-06-14 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:
This is to express my profound frustration about the unresolved inaccuracies on my credit report, specifically concerning the late closed and charge off accounts. This marks my many several attempt to address these issues, which continue to negatively impact my financial health and trust in your organization. Since I have diligently provided all necessary documentation and adhered to your company 's procedures to dispute these inaccuracies. Despite many assurances that the matter would be resolved, the accounts remain incorrectly listed, and the accounts have not been removed. The persistent presence of these inaccuracies on my credit report is unacceptable. It misrepresents my financial history, hinders my access to credit opportunities, and causes ongoing stress and inconvenience. I am requesting immediate and decisive action to resolve this matter once and for all. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove the late closed and charge off accounts immediately : DEPTEDXXXX XXXX Balance 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. 

DEPTEDXXXX XXXX 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. 

DEPTEDXXXX XXXX Balance Owed : {$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. 

DEPTEDXXXX XXXX Balance Owed : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

DEPTEDXXXX  XXXX Balance Owed : {$0.00} Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX Balance Owed : {$0.00} 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 XXXXBalance Owed : {$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 Balance Owed : {$200.00} This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.

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