Consumer complaint received 2024-03-14 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: IL

Complaint narrative:
I am writing to formally lodge a complaint regarding the many unsuccessful attempts to remove charge-off accounts and a public record from my credit report. Despite my persistent efforts and providing relevant documentation, these inaccuracies remain, adversely affecting my creditworthiness and financial standing. 

I have made several attempts to dispute and remove the charge-off accounts and public record from my credit report. Each time, I have supplied extensive evidence, including documentation of bankruptcy filings and any other pertinent information, to support my claims. However, these attempts have been met with repeated denials, and the inaccuracies persist. 

The presence of these inaccurate charge-off accounts and public record significantly misrepresents my financial history and has severe consequences for my creditworthiness. It impedes my ability to access credit, secure loans, and obtain favorable interest rates. Furthermore, the inclusion of accounts already discharged through bankruptcy violates my rights as a consumer and perpetuates unnecessary financial hardship. 

Therefore, I urge your agency to take immediate action to rectify this matter. Specifically, I request that : The inaccurate charge-off accounts and public record be promptly removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided, including documentation of bankruptcy filings, was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar inaccuracies from occurring in the future. With this, I am asking for your assistance to remove these items in my credit file : XXXX XXXXXXXX XXXX Balance : {$1200.00} - 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 XXXXXXXX XXXX Balance : {$2400.00} - 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 : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.

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