Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
I am writing to express my deep frustration and dissatisfaction with the repeated attempts to remove the late, closed, and charge-off accounts from my credit report. Despite multiple requests and efforts on my part, these negative entries continue to adversely affect my creditworthiness and financial standing. 

As a responsible consumer, I have taken proactive measures to address and rectify any past financial discrepancies. I have diligently worked with your organization to resolve these issues and have complied with all necessary procedures and requirements. However, it is disheartening to see that these efforts have not yielded the desired results. 

The persistence of late, closed, and charge-off accounts on my credit report not only undermines my credibility but also hinders my ability to access essential financial services and opportunities. These inaccurate entries paint an inaccurate picture of my creditworthiness and financial responsibility, which is unacceptable. 

I demand immediate action to rectify this situation and ensure the accurate reporting of my credit history. I expect your organization to conduct a thorough review of my account and take the necessary steps to remove the erroneous entries promptly. Additionally, I request confirmation of the removal of these accounts and the updating of my credit report accordingly. 

Furthermore, I seek an explanation for the recurring nature of this issue and assurances that similar errors will not occur in the future. It is imperative that your organization implements robust measures to prevent the reoccurrence of such discrepancies and upholds the highest standards of accuracy and integrity in credit reporting. 

Please treat this letter as a formal complaint and escalate the matter to the relevant authorities within your organization for immediate resolution. I expect timely communication regarding the progress of this issue and confirmation of its resolution. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXXXXXX 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. 
XXXX XXXX Balance : {$810.00} - 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 XXXX Balance : {$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.

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