Consumer complaint received 2024-03-05 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 address an ongoing issue with my accounts that remain unresolved despite multiple attempts to rectify the situation. I am a customer with your institution, holding an open account and having previously closed accounts with your company. 

It has come to my attention that there have been delays in the correction of late open accounts and the removal of late closed accounts from my records. Despite my numerous attempts to resolve these issues through various channels, including phone calls, emails, and in-person visits to your branch, the problem persists. 

As a responsible customer, I have always upheld my end of the agreement by ensuring timely payments and fulfilling all obligations outlined in the terms and conditions of my accounts. However, it is disheartening to experience such negligence on the part of your institution in addressing my concerns promptly. 

I request immediate action to rectify the following matters : Correction of late open accounts : I demand that any inaccuracies regarding late payments or discrepancies in my open accounts be promptly corrected. It is imperative that my account status accurately reflects my payment history and financial standing. 

Removal of late closed accounts : I insist that any closed accounts with erroneous late payment reports be swiftly removed from my records. These inaccuracies can have adverse effects on my credit score and financial reputation, and it is essential that they are rectified without further delay. 

I understand that errors can occur, but it is the responsibility of your institution to ensure prompt resolution and uphold the trust and confidence of your customers. I urge you to take immediate action to address these issues and provide me with confirmation of the corrections made. 

Failure to resolve these matters in a timely manner will compel me to escalate this complaint to the relevant regulatory authorities and consider legal action to safeguard my rights as a consumer. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$310.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

DP OF EDUC XXXX Balance : {$6800.00} - How can you report this account as Late when my record shows that this account was Paid as Agreed and the Balance is XXXX? Please adjust immediately. 


DP OF EDUC XXXX Balance : {$4000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 


US DEPT ED XXXX Balance : {$3300.00} - I am not late on this account. My record shows that this account was Paid as Agreed. Please adjust immediately. 


US DEPT ED XXXX Balance : {$1500.00} - Please check the Payment History and Status information on this account and adjust accordingly. 


US DEPT ED XXXX Balance : {$6800.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 


US DEPT ED XXXX Balance : {$8400.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 


US DEPT ED XXXX Balance : {$8200.00} - My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 


US DEPT ED XXXX Balance : {$1600.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 


US DEPT ED XXXX Balance : {$9600.00} - Please take off the late things from this account because I think I made my payment on time. 


US DEPT ED XXXX Balance : {$5700.00} - I want the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this correct immediately. 


US DEPT ED XXXX Balance : {$10000.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 


US DEPT ED XXXX Balance : {$7300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 


DP OF EDUC XXXX Balance : {$3100.00} - The payment history of this account is incorrect. This was on forbearance under CARES Act. Please investigate and update with awful accuracy. 


US DEPT ED XXXX Balance : {$6900.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and update with lawful accuracy. 

XXXX XXXX Balance : {$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 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 Balance Owed : {$310.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX XXXX Balance : {$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 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.

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