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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to rectify late open accounts associated with my financial profile, as well as the prompt removal of a public record from my credit report. The persistence of these issues is causing significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The late open accounts and the presence of a public record on my credit report are adversely impacting my creditworthiness and overall financial stability. Despite my repeated attempts to address these inaccuracies, they continue to linger on my financial records, hampering my ability to secure loans, credit, and favorable interest rates. 

I initially brought these matters to your institution 's attention and since then, I have made numerous diligent attempts to have them corrected. However, my efforts have been met with repeated denials and delays, exacerbating the negative impact on my financial well-being. 

I urgently request that your institution takes immediate and effective action to rectify these issues. Firstly, I expect a swift review and correction of the late open accounts associated with my financial profile. These inaccuracies must be promptly removed from my financial records to ensure the accuracy of my credit report and restore my creditworthiness. 

Additionally, I request the prompt removal of the public record from my credit report. This item is inaccurate and unfairly tarnishes my credit history, and its removal is essential to mitigate its adverse effects on my financial standing. 

I understand the importance of accurate and up-to-date credit reporting, and I trust that your institution values its customers ' financial well-being. Therefore, I urge you to prioritize the resolution of these issues and to take proactive measures to prevent similar inaccuracies from occurring in the future. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my disputes. With this, I am asking for your assistance to remove or correct these items in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX  Bankruptcy Reference XXXX XXXX XXXXXXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.

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