Consumer complaint received 2024-02-16 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:
I am writing to dispute and request the correction of late-open accounts and the removal of a charge-off entry from my credit report. These inaccuracies are negatively impacting my credit score and financial standing. 

I have enclosed a copy of my credit report highlighting the late-open accounts and the charge-off entry for your reference. 

The late-open accounts inaccurately reflect my credit history and financial responsibility. These entries are outdated and should be corrected promptly. 

I request the following actions be taken : Correction of Late-Open Accounts : Conduct a thorough investigation into the late-open accounts listed on my credit report and correct them promptly if found to be inaccurate. 

Removal of the Charge-Off Entry : Investigate the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. 

Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address these inaccuracies. I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$37000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX XXXX XXXX Balance : {$11000.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX XXXX  XXXX Balance : {$440.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the 7-year reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX XXXXXXXX Balance : {$460.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why an {$460.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. 

XXXX XXXX Balance : {$990.00} - 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. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - 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. 

XXXX XXXX XXXX Balance : {$250.00} - 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. 

XXXX XXXX Balance : {$3600.00} - 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$430.00} - This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.

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