Consumer complaint received 2024-04-20 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 concern and frustration regarding the ongoing issue of late opening of accounts and late closure. It is imperative to address this matter promptly and effectively to ensure fairness and transparency in the process. 

Despite repeated attempts to rectify the issue of late openings, I regret to inform you that the problem persists during this round. This recurrent issue not only disrupts the proceedings but also undermines the confidence and trust of participants in the integrity of the process. 

Therefore, I urge you to take immediate and decisive action to identify the root causes of the late openings and late closure and implement robust measures to prevent their recurrence in future rounds. It is essential to demonstrate a commitment to accountability and transparency in resolving this issue. With this, I am asking for your assistance to remove the late closed or correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX : {$370.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this

removed immediately. 3. DP OF EDUC XXXX Balance : {$6800.00} - 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. 

4. US DEPT ED XXXX Balance : {$4100.00} - Never Paid Late. The records reflect a XXXX without preceding XXXX, XXXX or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address, all spelling, DOB, SSN, etc.

5. US DEPT ED XXXX Balance : {$10000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

6. US DEPT ED XXXX Balance : {$1500.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

7. US DEPT ED XXXX Balance : {$6900.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

8. US DEPT ED XXXX Balance : XXXX - The number of late payments is incorrect. I never missed a payment. Please adjust immediately.

9. US DEPT ED XXXX Balance : {$8300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. Please correct it immediately. 

10. US DEPT ED XXXX : {$1600.00} - I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

11. US DEPT ED XXXX Balance : {$9700.00} - Please take off the late things from this account because I think I made my payment on time. 

12. US DEPT ED XXXX Balance : {$5700.00} - 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. US DEPT ED XXXX Balance : {$3300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

14. US DEPT ED XXXX Balance : {$7300.00} - The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with lawful accuracy. 

15. DP OF EDUC 4XXXX Balance : {$3100.00} - 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. 

XXXX. XXXX XXXX XXXX : {$0.00} - I want the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this correct immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$7000.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be corrected. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$6900.00} - I believe this information may be inaccurate. Immediate removal of this item is necessary.

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