Consumer complaint received 2024-02-27 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 deep frustration and dissatisfaction with the numerous unsuccessful attempts to correct late open accounts and remove charge-off accounts associated with my account. Despite multiple communications and efforts on my part, these issues persist, causing significant distress and affecting my financial standing adversely. 

Over the past several months, I have diligently followed up with your company to rectify the inaccuracies in my account. Regrettably, each attempt has been met with temporary solutions or promises of resolution, only for the same issues to resurface shortly thereafter. This cycle of inefficiency and frustration is unacceptable and reflects poorly on your company 's commitment to customer service and accuracy. 

The presence of these late open accounts and charge-off accounts on my record has had severe consequences, including hindering my ability to access credit and obtain favorable terms on financial products. Furthermore, it has caused undue stress and anxiety as I struggle to navigate the financial implications of these inaccuracies. 

I demand immediate and decisive action to permanently correct the late open accounts and remove the charge-off accounts from my record. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I insist on being compensated for the tangible and intangible damages caused by the prolonged presence of these inaccuracies, including any financial losses or adverse impacts on my creditworthiness. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$37000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$11000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

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

XXXX XXXX XXXX Balance : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why an {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX Balance : {$990.00} - 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. 

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

XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$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 XXXXXXXX Balance : {$250.00} - 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 Balance : {$3600.00} - 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.

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