Consumer complaint received 2024-01-12 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 express my deep frustration and disappointment with the multiple unsuccessful attempts I have made to correct inaccuracies in my credit report, specifically pertaining to the incorrect reporting of late open accounts and charge-off accounts. Despite my persistent efforts and the submission of relevant documentation, these issues remain unresolved. 

I have diligently followed the established dispute process, submitting letters and supporting documentation to rectify the inaccuracies related to the late open accounts and charge-off accounts on my credit report. Unfortunately, these corrections have not been implemented, negatively impacting my credit score and financial standing. 

I would like to highlight the following concerns : The inaccuracies in reporting, including late open accounts and charge-offs, have significantly affected my creditworthiness. This has resulted in challenges obtaining favorable interest rates and credit approvals, hindering my ability to make financial decisions. 

The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies promptly investigate and correct inaccurate information. It is disheartening to note that, despite my diligent efforts, the necessary corrections have not been made to my credit report, indicating a failure to comply with the FCRA. 

The persistence of these inaccuracies, despite my multiple attempts, is unacceptable. I am left with no choice but to escalate this complaint to higher authorities and legal channels if this matter is not promptly and satisfactorily addressed. 

I insist on your immediate attention to this matter and a swift resolution to correct the inaccuracies related to late open accounts and removal of charge-off accounts on my credit report. I demand detailed information on the steps being taken to investigate and correct these issues. 

I expect a written response within 15 days, as the urgency of this matter necessitates a more expedited resolution. This response should outline the results of your investigation and the concrete actions taken to rectify the inaccuracies. Failure to address this issue within the specified timeframe will leave me with no alternative but to pursue legal remedies aggressively. I am asking for your assistance to correct these late open and remove the charge off accounts in my credit file : 1. XXXX XXXX XXXX XXXX : {$1500.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 

2. XXXX XXXX XXXX XXXX Balance : {$37000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

3. XXXX XXXX XXXX XXXX Balance : {$0.00} - XXXX 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 XXXX Balance : {$16000.00} - 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 XXXX Balance : {$7900.00} - 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.

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 non-monetary relief