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: GA

Complaint narrative:
I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records and the persistent presence of charge-off accounts on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. There are charge-off accounts on my credit report that should have been removed following my disputes. These accounts have been erroneously reported and persistently appear despite providing the necessary documentation to prove their inaccuracy. The presence of these charge-offs has caused significant financial and emotional distress. 
Previous Correspondence and Actions Taken : Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open and remove the charge off accounts immediately : XXXX XXXX XXXX XXXX  Balance : {$35000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX Balance : {$9400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 
XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 
XXXX XXXX XXXXBalance : {$460.00} - XXXX 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 Balance : {$3600.00} - This particular account is undoubtedly placed as a charge- off account, make sure you tell me the reason why an {$3600.00} balance is indicated on the statement that its charge-off. The balance is truly incorrect. You have to withdraw this from my file. 
XXXX XXXX Balance : {$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 remove it. 
XXXX XXXX Balance : {$0.00} - The limit to this account was a fraction of the amount due 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.

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