Consumer complaint received 2024-02-15 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:
I am writing to express my deep concern and dissatisfaction regarding the persistent attempts to remove late closed and charge-off items from my account with Credit Bureaus XXXX Despite repeated notifications and efforts on my part to address these issues, they continue to resurface, causing significant distress and inconvenience. 

I have made numerous attempts to rectify and settle any outstanding debts or discrepancies associated with my account. However, despite my best efforts and adherence to payment agreements, I have observed multiple instances where late closed and charge-off items have been inaccurately removed from my account. 

These unwarranted removals not only misrepresent my financial history but also undermine my efforts to responsibly manage my finances and rebuild my credit standing. Such inaccuracies can have severe repercussions on my ability to access credit and financial services, impacting my livelihood and well-being. 

Furthermore, I request transparent communication and documentation regarding the justification for each removal attempt. 

I also seek assurance that appropriate measures will be implemented to prevent future occurrences of such inaccuracies. This includes strengthening internal controls, enhancing staff training, and implementing robust validation processes to ensure the accuracy and integrity of customer account information. 

I expect a prompt and comprehensive response to this complaint, outlining the steps that Credit Bureaus will take to address these concerns and prevent their recurrence in the future. Failure to do so will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek redress through legal channels. I am asking for your assisstance to remove these accounts in my credit file : DEPTEDXXXX  XXXX Balance Owed : {$0.00} - 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 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. 

DEPTEDXXXX 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. 

DEPTEDXXXX 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 XXXX be inaccurate. I need this account removed NOW. 

DEPTEDXXXX XXXX XXXX XXXX : {$0.00} - I see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. XXXX removal of this item is necessary. 

DEPTEDXXXX  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 XXXXXXXX Owed : {$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 Owed : {$0.00} - 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 : {$200.00} - 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