Consumer complaint received 2024-04-01 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 would like to follow up and express my deep concern and frustration regarding the ongoing issues with late account openings and charge offs, despite our repeated attempts to rectify these matters. 

The persistent occurrence of late account openings not only disrupts our operational efficiency but also reflects poorly on our organization 's commitment to providing timely and reliable service to our customers. Additionally, the presence of charge offs poses significant financial implications for both our organization and affected individuals. 

I urge you to conduct a thorough review of our account opening procedures and systems to identify any underlying issues or deficiencies that may be contributing to the persistent delays. It is essential that we implement robust controls and enhanced monitoring mechanisms to ensure that accounts are opened in a timely manner and in accordance with regulatory requirements. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by late account openings and charge offs. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX. XXXX XXXX AUTO XXXX Balance : {$36000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, correct the late open account from my report. 
XXXX. XXXX XXXX XXXX XXXX : {$10000.00} - Please check the XXXX XXXX and XXXX information on this late open account and correct immediately. 
XXXX. FIRST XXXX XXXX XXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX. XXXX XXXX XXXX : {$460.00} - XXXX 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 OF MO XXXX XXXX : {$0.00} - 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 OF MO XXXX XXXX : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 
XXXXXXXX XXXX XXXX  XXXX Balance : {$250.00} - 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. 
XXXX. XXXX XXXX XXXX : {$3600.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why an {$11000.00} 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 XXXX & XXXX XXXX Balance : {$430.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 
XXXX. XXXX XXXX XXXX : {$550.00} - The number of late payments is incorrect. I never missed a payment. Please correct this late open 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