Consumer complaint received 2024-02-02 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: MO

Complaint narrative:
I trust this letter finds you well. I am writing to express my ongoing concern and frustration with the multiple attempts to remove late closed and charge-off accounts from my credit report, maintained by Credit Bureaus . Despite my persistent efforts to address this issue, these derogatory entries persist, significantly impacting my financial standing and creditworthiness. 

The late closed and charge-off accounts in question, they have been inaccurately reported as closed late and charged off. I have attached copies of supporting documents, including such as payment records, correspondence with the creditors, and any other relevant documentation, to substantiate my claims and demonstrate the incorrect reporting of these accounts. 

I have undertaken several steps to rectify this issue : I have submitted disputes through your bureau, providing detailed explanations and supporting documentation to contest the inaccurate reporting of these late closed and charge-off accounts. 

I have communicated directly with the creditors associated with these accounts, seeking their cooperation in rectifying this matter. Unfortunately, these efforts have not resulted in the removal of these derogatory entries. 

I have followed the appropriate channels to dispute these inaccuracies numerous times, yet the late closed and charge-off accounts persist on my credit report. 

The continued presence of these derogatory entries has severe implications for my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report.

I kindly request the following actions to address this issue : Conduct a thorough and comprehensive investigation into the reported late closed and charge-off accounts, verifying their accuracy and timeliness. 

Collaborate with the relevant creditors to promptly remove these derogatory entries from my credit report, restoring its accuracy and integrity. 

Provide me with written confirmation of the removal of these late closed and charge-off accounts within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

Advise me on any additional steps or information required from my end to expedite this process. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter withinthe exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. 

I appreciate your immediate attention to this serious matter and your commitment to resolving it to my satisfaction. I am asking for your assistance to remove these accounts in my credit file : 1. XXXX XXXX XXXX Balance : {$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. 

2. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it 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. 

3. XXXX 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 do I 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.

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