Consumer complaint received 2024-03-25 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 hope this letter finds you well. I am writing to follow up on my previous communications regarding inaccuracies in my credit report. Despite many attempts to rectify the situation, the late open accounts remain unresolved, and the late closed and charged-off accounts have not been removed as requested. 

I would like to reiterate the urgency and importance of correcting these errors promptly. The presence of inaccurate information on my credit report not only hampers my ability to access credit but also undermines my financial credibility. It is imperative that these discrepancies are rectified without further delay to restore the accuracy and integrity of my credit profile. 

Furthermore, I request a thorough investigation into the underlying causes of these persistent errors. It is concerning that despite repeated attempts to address these issues, they have not been adequately resolved. I urge your team to conduct a comprehensive review of my credit file to identify and rectify any systemic issues contributing to these inaccuracies. 

In light of the continued inconvenience and financial implications caused by these errors, I expect prompt action to remedy the situation. I trust that you will handle this matter with the urgency and professionalism it warrants. With this, I am asking for your assistance to remove or correct these accounts in my credit file : 1. XXXX  XXXX 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 : {$590.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

3. 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  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. 
5. 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. 

6. 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} - 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. 

8. 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. 

9. XXXX XXXX Balance Owed : {$0.00} - 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 this.

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