Consumer complaint received 2024-02-21 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 file a formal complaint regarding the numerous and persistent attempts to remove late closed accounts and charges from my credit report. Despite my repeated efforts to address and rectify these inaccuracies, they continue to appear on my credit report, negatively impacting my credit score and financial reputation.

I have previously submitted disputes and provided supporting documentation to demonstrate that the late closed accounts and charges listed on my credit report are erroneous and should be removed. However, to my dismay, these inaccuracies persist, and I have not received any satisfactory resolution from your agency.

The presence of these incorrect entries on my credit report is unjust and unfair, as they do not accurately reflect my financial history or creditworthiness. Furthermore, they have hindered my ability to access credit and obtain favorable terms for loans, mortgages, and other financial products.

I demand that immediate action be taken to investigate and address the inaccuracies in my credit report. I expect these late closed accounts and charges to be promptly removed, and I request written confirmation once this has been completed.

Furthermore, I urge you to review your procedures and protocols for handling consumer disputes to prevent similar instances from occurring in the future. It is imperative that your agency upholds the highest standards of accuracy and integrity in maintaining credit reports, as they have far-reaching implications for consumers ' financial lives.

Please treat this matter with the urgency it deserves and provide me with a comprehensive response outlining the steps taken to address my concerns. Additionally, I would appreciate any assistance or guidance you can offer to help me restore the accuracy of my credit report and mitigate the adverse effects of these inaccuracies. I am asking for your assisstance to remove these fraud items in my credit file : XXXX. XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX. XXXX XXXX Balance Owed : {$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 Balance Owed : {$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. 

XXXX. XXXX XXXX  XXXX Balance Owed : {$750.00} - 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. 

XXXX. XXXX XXXX Balance Owed : {$140.00} 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 XXXX Balance Owed : {$400.00} - 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 XXXX XXXXXXXX Balance Owed : {$1400.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 

XXXX. XXXX XXXX XXXX XXXX XXXX : {$470.00} - 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. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully.

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