Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
This is a follow up to seek another assistance from you to solve this matter. Despite my repeated attempts to rectify these inaccuracies with the respective financial institutions and credit reporting agencies, the errors remain unresolved. Specifically, I need help with the removal of incorrect late closed accounts and charge-off accounts from my credit report. My credit report includes charge-off accounts that are incorrectly reported. I have provided evidence to the financial institutions demonstrating that these accounts should not be classified as charge-offs. My attempts to resolve these issues directly with the institutions and through the credit reporting agencies have been unsuccessful, and the erroneous charge-offs remain on my credit report. The ongoing presence of these inaccuracies on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB 's intervention to ensure that these matters are resolved promptly and that my credit report accurately reflects my credit history. XXXX. XXXX XXXX XXXX XXXX : {$0.00} - 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 XXXX XXXX : {$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 XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information XXXX be inaccurate. I need this removed now. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor 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 fix it immediately. 
XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - 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 XXXX : {$200.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy.

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