Consumer complaint received 2024-03-13 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 frustration and disappointment regarding the multiple unsuccessful attempts to remove late closed and charged-off accounts from my credit report. Despite numerous requests and efforts on my part, these derogatory marks remain, significantly impacting my creditworthiness and financial standing. 

To provide context and a timeline of events : In my initial communication, I provided detailed information and documentation to support my claim that these accounts were inaccurately reported and should be removed from my credit report. 

Despite assurances of resolution, no action has been taken to rectify this issue. 

Frustrated by the lack of progress, I made subsequent attempts to have these derogatory marks removed from my credit report. However, each attempt has been met with delays and unsuccessful outcomes. 

The presence of these inaccurately reported late closed and charged-off accounts is significantly impacting my creditworthiness and financial opportunities. I have diligently followed the necessary procedures to address and rectify this issue, yet it persists, causing undue hardship and frustration. 

I urgently request that you take immediate and decisive action to investigate and remove these inaccurately reported accounts from my credit report. I expect a swift resolution to this matter, including the complete removal of all late closed and charged-off accounts within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

If the inaccurately reported accounts are not removed from my credit report within the specified timeframe, I will have no choice but to explore further avenues of resolution, including seeking legal remedies to protect my rights as a consumer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. 

Please treat this matter with the urgency and seriousness it deserves. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX  XXXX Balance : {$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. 
XXXX XXXX XXXX : {$810.00} - 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 XXXX : {$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.

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