Consumer complaint received 2024-07-03 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:
Despite this attempts to correct a late open accounts and remove a late closed accounts, these inaccuracies continue to appear on my report, significantly impacting my financial standing and credibility. The errors in question have been present for an extended period and have caused considerable stress and inconvenience. I have provided comprehensive documentation and evidence to support the correction and removal of these items, yet they persist on my credit report. I expect a thorough investigation into why these inaccuracies persist on my credit report despite numerous requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The ongoing presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. Kindly help me correct this late open accounts and remove the late closed remove accounts immediately : 1. XXXX XXXX XXXX XXXX XXXX : {$420.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
2. XXXX XXXX  XXXX XXXX Balance : {$7100.00} - 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. 
3. XXXX XXXX XXXX XXXX Balance : {$4100.00} - How can you report this account as late when my record shows that this account was paid as Agreed? Please adjust immediately. 
4. XXXX XXXX XXXX XXXX Balance : {$11000.00} - XXXX am not late on this account. My record shows that this account was paid as Agreed. Please adjust immediately. 
5. XXXX XXXX XXXX XXXX Balance : {$1500.00} I do not know why I am late on this account. This information is incorrect. Kindly correct this immediately. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$8700.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
7. XXXX XXXX XXXX XXXX Balance : {$8400.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
8. XXXX XXXX XXXX XXXX : {$1600.00} - Please check the status of this account. It is entirely wrong, to begin with. 
I was never late on this account. 
9. XXXX XXXX XXXX XXXX Balance : {$9700.00} - My record shows that this account was paid as agreed and I never missed a payment. Please update it immediately. 
10. XXXX XXXX XXXX XXXX Balance : {$5800.00} - The number of late payments is incorrect. I never missed a payment. 
Please adjust immediately. 
11. XXXX XXXX XXXX XXXX Balance : {$3400.00} - Please take off the late things from this account because I think I made my payment on time. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$7400.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 
13. XXXX XXXX  XXXX XXXX Balance : {$3100.00} - The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy. 

14. XXXX XXXX  XXXX XXXX Balance : {$6700.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and update with lawful accuracy. 
15. XXXX XXXX XXXX XXXX Balance : {$0.00} - I believe this information may be inaccurate. I need this to be corrected now. 
16. XXXX XXXX XXXX XXXX Balance : {$6800.00} - This account should not be late pursuant. Please investigate and update with lawful accuracy. 
17. XXXX XXXX  XXXX XXXX Balance : {$7000.00} - XXXX believe I was not late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 
18. XXXX XXXX XXXXXXXX XXXX Balance : {$7500.00} - Per FCRA, reporting must be 100 % accurate or the information must be corrected. 
19. XXXX XXXX  XXXX XXXX Balance : {$7300.00} - Get it right immediately ; otherwise, update the account from my report. 
This account should not be late pursuant to XXXX XXXX. 
20. XXXX XXXX XXXX : {$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. 
21. XXXX XXXX XXXX : {$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.

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