Consumer complaint received 2023-12-26 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 hope this letter finds you well. I am writing to bring to your attention the ongoing issues I have encountered in attempting to correct late open accounts, incorrect closure statuses, and a charge-off erroneously listed on my credit report through Credit Bureaus XXXX Despite my repeated attempts to address these discrepancies, the issues persist, causing considerable distress and adversely impacting my financial standing. 

The inaccuracies in my credit report, including the listing of late open accounts, incorrect closure statuses, and a charge-off, are detrimental to my creditworthiness and financial stability. I have attached supporting documentation for each attempt made to correct this situation. 

I request your immediate attention to and resolution of the following matters : Swift correction of the late open accounts listed on my credit report. 

Removal of incorrect closure statuses associated with my accounts. 

Investigation and removal of the charge-off entry, as it is inaccurate and unjustified. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are impacting my ability to access financial services and secure favorable terms. Therefore, I expect a thorough and expedited investigation into these matters. 

I urge you to take the necessary actions promptly to rectify these issues and provide written confirmation once the corrections have been made. Failure to address this matter promptly XXXX compel me to escalate the issue to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct these late open account and removal of charge off and late closed in my credit file : XXXX XXXX  XXXX XXXX : {$410.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX insist that you remove the late payment remarks from this account, as I firmly believe that I made all payments on time. It is imperative that you rapidly rectify this error and ensure that the account accurately reflects my timely payment history. 

XXXX XXXX XXXXXXXX Balance : {$0.00} This just proves your lack of proper record keeping. Now, this account is reported to be XXXX and 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, correct it immediately. 

XXXX XXXX XXXX XXXX : {$0.00} I need to dispute charge off account that is still being reported on my credit file with a XXXX balance. This account has been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.

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