Consumer complaint received 2024-04-16 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 am writing to express my ongoing frustration and dissatisfaction regarding the unresolved issues concerning late open accounts and erroneous charges on my account. Despite my previous attempts to rectify these matters, I find it necessary to address them for the several time. 

I demand immediate action to rectify these issues. I insist that the late open accounts be corrected promptly, and any erroneous charge off be removed from my account without delay. Additionally, I expect any associated fees or penalties resulting from these errors to be waived. Furthermore, I request a formal apology for the inconvenience, frustration, and financial harm caused by these oversights. 

With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX XXXX : {$10000.00} - 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. 

XXXX XXXXXXXX XXXX XXXX Balance : {$440.00} - 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 : {$460.00} - 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 Balance : {$250.00} - 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 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. 

XXXX XXXX XXXX : {$3600.00} - 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. 

XXXX XXXX XXXX XXXX  XXXX Balance : {$430.00} - 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 0 or eliminate the item certainly. 

XXXX XXXX XXXX : {$0.00} - 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 0 or eliminate the item certainly. 

XXXX XXXX XXXX : {$0.00} - 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 non-monetary relief