Consumer complaint received 2024-01-13 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 am writing to express my deep concern and dissatisfaction regarding the persistent challenges I have encountered in correcting late open accounts and removing late closed and charge-off accounts from my credit file. Despite numerous attempts to rectify these issues, I have experienced significant difficulties and delays. 

I initiated the process of addressing inaccuracies in my credit file by reporting late open accounts and requesting the removal of late closed and charge-off accounts. Since then, I have made multiple attempts to resolve these matters through your customer service department, specifically. Unfortunately, my efforts have not yielded the desired results, and the inaccuracies persist in my credit report. 

I understand that credit reporting is a complex process, and I appreciate the need for accuracy and thorough investigation. However, the lack of progress and effective communication has had a detrimental impact on my financial standing and has caused undue stress. 

I am requesting the following actions to be taken promptly : Immediate and thorough investigation into the late open accounts on my credit file.

Transparent communication about the specific steps being taken to correct the inaccuracies in my credit report.

Swift removal of the late closed and charge-off accounts from my credit file. 
I expect a resolution to these matters within the specified timeframe from the date of receipt of this letter. Timely resolution is crucial to my financial well-being and future credit opportunities. 
If the issues persist without a satisfactory resolution, I may have no choice but to escalate this matter further, including filing complaints with regulatory authorities and seeking legal counsel to address the violations of my rights as a consumer.

I trust that your organization is committed to fair and accurate credit reporting, and I request your immediate attention to rectify these critical inaccuracies. I am asking for your assistance to correct this late open and remove these charge off and late closed accounts in my credit file : 1. XXXX XXXXXXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

2. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. 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. 

4. XXXX XXXXXXXX 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. 

5XXXX XXXX XXXXXXXX XXXX Balance Owed : {$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. 

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - I 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. 

7. XXXX XXXX Balance Owed : {$0.00} - 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. 

8. XXXX XXXX XXXX Balance Owed : {$79.00} - 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. 

9. XXXX XXXX Balance Owed : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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