Consumer complaint received 2024-02-02 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 profound dissatisfaction and frustration regarding the many unsuccessful attempts to correct the late opening of my account and remove the late closed status from my financial records. Despite multiple requests for resolution, the issue persists, causing significant inconvenience and impacting my financial standing adversely. 

I initiated the process to open an account with your institution. Unfortunately, due to unforeseen circumstances, the account opening was delayed, leading to the imposition of a late open status. Subsequently, I have made several attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and adhering to the prescribed procedures for addressing such issues. 

Regrettably, each attempt to correct the late opening of my account and remove the late closed status has been met with inefficiencies, delays, and a lack of tangible progress. This has not only caused considerable inconvenience but has also raised serious concerns about the effectiveness of your institution 's handling of customer concerns. 

I wish to highlight the following issues : There has been a significant lapse in communication regarding the status of my account opening and the removal of the late closed status. Timely updates are crucial for maintaining customer confidence and ensuring transparency. 

I have received conflicting information from different representatives, leading to confusion and frustration. Consistency in communication is imperative for a smooth resolution process. 

Despite assurances of follow-up, there has been a lack of proactive communication and action to ensure the prompt resolution of my concerns. 

I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of satisfactory resolution are disconcerting. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. 

I am formally requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in correcting the late opening of my account and removing the late closed status. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts and remove the late closed in my credit file : XXXX. XXXX XXXX XXXX : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance : {$0.00} - I am not late on this account. My record shows that this account was Paid as Agreed and Past Due is XXXX. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$270.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. DP OF EDUC XXXX Balance : {$6800.00} - Immediate correction of this account is necessary. I need this correct now. 

XXXX. DP OF EDUC XXXX Balance : {$4000.00} - Please adjust immediately. You are reporting different information from other bureaus. 

XXXX. US DEPT ED XXXX Balance : {$3300.00} - Get it right immediately ; otherwise, update the account from my report. 

XXXX. US DEPT ED XXXX Balance : {$1500.00} - Please verify all info is true, accurate, and correct. Never Paid Late. 

XXXX. US DEPT ED XXXX Balance : {$6800.00} - Never late on this account. I never missed a payment. 

XXXX. US DEPT ED XXXX Balance : {$6900.00} - Never late on this account. My record shows that this account was paid. Please correct immediately. 

XXXX. US DEPT ED XXXX Balance : {$8400.00} - This is a massive error. Investigate all records closely and correct this account. 

XXXX. US DEPT ED XXXX Balance : {$8200.00} - 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. 

XXXX. US DEPT ED XXXX Balance : {$1600.00} - Please check the status of this account. Please correct it immediately. 

XXXX. US DEPT ED XXXX Balance : {$9500.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. US DEPT ED XXXX Balance : {$5600.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX. US DEPT ED XXXX Balance : {$10000.00} - 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. 

XXXX. US DEPT ED XXXX Balance : {$7200.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX. DP OF EDUC XXXX Balance : {$7300.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and correct with lawful accuracy. 

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. 

XXXX. XXXX  XXXX XXXX Balance : {$410.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this 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