Consumer complaint received 2024-05-20 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:
This is to express my profound frustration about the unresolved inaccuracies on my credit report, specifically concerning the late open accounts and late closed accounts. This marks my many severalattempt to address these issues, which continue to negatively impact my financial health and trust in your organization. Since I have diligently provided all necessary documentation and adhered to your company 's procedures to dispute these inaccuracies. Despite many assurances that the matter would be resolved, the late open accounts remain incorrectly listed, and the late closed accounts have not been removed. 

The persistent presence of these inaccuracies on my credit report is unacceptable. It misrepresents my financial history, hinders my access to credit opportunities, and causes ongoing stress and inconvenience. I am requesting immediate and decisive action to resolve this matter once and for all. I have no choice but to escalate the matter further, including seeking assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me correct the late open and remove the late closed accounts immediately : XXXX - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$1500.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$7000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$8700.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$8400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX XXXX XXXX : {$1600.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$9700.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$5800.00} - XXXX am not late on this account. My record shows that this account was paid as Agreed. Please adjust immediately. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$3400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$7400.00} - How can you report this account as Late when my record shows that this account was paid as Agreed and the Balance is XXXX? Please adjust immediately. 

XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} - Never Paid Late. The records reflect a XXXX without preceding XXXX, XXXX, or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address, spelling, XXXX, XXXX, etc. 

XXXX. XXXX XXXX XXXXXXXX XXXX Balance : {$6700.00} - Never late on this account. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$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 to be corrected now. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$7300.00} - XXXX believe this information XXXX be inaccurate. I need this account to be corrected NOW. 

XXXX. 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. 

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

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

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