Consumer complaint received 2024-04-19 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 continued frustration and disappointment regarding the ongoing issue with the late opening of my accounts, as well as the presence of late closures and charge-offs on my records, despite multiple attempts to rectify these errors. 

Despite my previous communications with your company, wherein I detailed the discrepancies in my account records, I am disheartened to report that the issue remains unresolved after this attempts. 

I must emphasize the urgency of addressing these issues promptly and effectively. Therefore, I request the following actions to be taken : Immediate correction of the late opening of my accounts, ensuring that they are accurately reflected with the appropriate opening dates. 
Thorough review and removal of any late closures and charge-offs that are inaccurately attributed to my accounts. 
An explanation of the root causes behind these persistent errors and a commitment to implementing measures to prevent similar occurrences in the future. 
Compensation for any damages, losses, or inconvenience caused by the late opening of my accounts and the presence of inaccurate late closures and charge-offs on my records. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - 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. 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. 

XXXX. XXXX XXXX XXXX  XXXX Balance : {$35000.00} - 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. XXXX XXXX XXXX Balance : {$56.00} - 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. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX. XXXX XXXX  XXXX Balance : {$16000.00} - 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 : {$7900.00} - 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.

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