Consumer complaint received 2024-01-27 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: IL

Complaint narrative:
I am writing to express my deep concern and frustration regarding the numerous late closed accounts, accounts included in bankruptcy, and public record entries on my credit report. Despite my persistent efforts to address and rectify these issues, they continue to negatively impact my creditworthiness and financial standing. I am filing this formal complaint to bring attention to the gravity of the situation and request immediate and thorough action to correct these inaccuracies. 

I have previously disputed these entries, providing extensive documentation supporting my claim that these entries are inaccurate and damaging to my credit history. Despite my diligent efforts and the legal obligation for accurate and fair credit reporting, these entries persist on my credit report. 

I wish to emphasize that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a thorough investigation within 30 days of receiving a dispute. It is disheartening to note that an extended period has passed without a satisfactory resolution, and the adverse impact on my credit continues to grow. 

In light of the gravity of the situation, I request the following actions : Conduct a comprehensive and timely investigation into the accuracy of the late closed accounts, accounts included in bankruptcy, and public record entries, in accordance with the FCRA guidelines. 

Provide a detailed response outlining the results of your investigation, including the actions taken to correct the inaccuracies and the expected timeline for resolution. 

Remove the inaccurately reported entries promptly from my credit report, as required by law, if they are found to be inaccurately reported or unverifiable. 

Furnish me with a written report of the results of your investigation, a copy of my updated credit report reflecting the removal of these entries, and a written explanation for any entries that were not corrected or removed. 

I understand the critical role that accurate credit reporting plays in financial stability and access to essential services. I trust that you will treat this matter with the urgency and seriousness it deserves to ensure fair and accurate reporting of my credit information. 

Please acknowledge receipt of this complaint within 30 days of your receipt of this letter. Failure to do so may compel me to explore further legal remedies to address this issue. I am asking for your assistance to remove these items in my credit file : XXXX XXXX XXXX Balance : {$1100.00} - 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 : {$2200.00} - 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 Balance : {$0.00} - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 
Chapter XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.

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