Consumer complaint received 2024-05-21 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 urgently follow up this request for the removal of several inaccurate items on my credit file that are significantly affecting my financial standing. Despite multiple attempts to rectify these issues, the charge-off and late closed accounts remain on my credit report, causing undue harm. 

I urgently request the following actions : Immediate and thorough review of the documentation provided. 
Fast-track removal of the inaccurate charge-off and late closed accounts from my credit file. 
Clear communication regarding the resolution process and the steps taken to correct these inaccuracies. 
Attached, please find copies of the supporting documentation, including [ list the documents attached, such as proof of payment, correspondence with creditors, etc. ], for your reference. 

It is critical that this matter is resolved promptly to prevent further damage to my financial standing. Accurate credit reporting is essential for my financial well-being, and these discrepancies must be addressed without delay. Please help me remove these accounts 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. 

XXXX. XXXX 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 Balance Owed : {$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 Balance Owed : {$750.00} - This particular account is undoubtedly placed as a charge-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 with XXXX or eliminate the item certainly. 

XXXX. XXXX XXXX Balance Owed : {$140.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. 

XXXX. XXXX XXXX XXXX Balance Owed : {$400.00} - 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 XXXXXXXX Balance Owed : {$1400.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor 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. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - The limit to this account was a fraction of the amount due 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.

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