Consumer complaint received 2024-06-01 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:
This is a follow up to seek another assistance from you to solve this matter. Despite my repeated attempts to rectify these inaccuracies with the respective financial institutions and credit reporting agencies, the errors remain unresolved. Specifically, I need help with the correction of late open and removal of incorrect late closed and charge-off accounts from my credit report. My credit report includes charge-off accounts and late closed that are incorrectly reported. I have provided evidence to the financial institutions demonstrating that these accounts should not be classified as late closed and charge-offs. My attempts to resolve these issues directly with the institutions and through the credit reporting agencies have been unsuccessful, and the erroneous charge-offs remain on my credit report. The ongoing presence of these inaccuracies on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting the intervention from you to ensure that these matters are resolved promptly and that my credit report accurately reflects my credit history. With this, I am asking for your assistance to correct the late open and remove the late closed and charge off : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$26.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be corrected. XXXX. XXXX XXXX XXXX Balance Owed : {$5.00} - 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 Balance Owed : {$590.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX. XXXX XXXX Balance Owed : {$0.00} - 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. 5. XXXX XXXX XXXX Balance Owed : {$710.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 6. XXXX XXXX Balance Owed : {$0.00} - 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. 7. XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 8. XXXX  XXXX XXXX XXXX Owed : {$0.00} - 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. 9. XXXX XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. thoroughly and delete for lawful accuracy. 10. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 11. XXXX  XXXX XXXX Balance Owed : {$79.00} 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. 12. XXXX XXXX Balance Owed : {$0.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a zero balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.

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