Consumer complaint received 2024-01-22 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 reaches you promptly. I am writing to express my deep frustration and dissatisfaction regarding the ongoing issues associated with my account. Despite my many numerous attempts to address these matters, they persist, causing considerable distress and financial hardship.

I initiated the account opening process, and regrettably, my account is still not active. This delay is adversely affecting my financial planning and causing undue stress.

Additionally, I have made several attempts to address entries related to late closures and charge-offs on my account. Unfortunately, these entries continue to impact my financial standing despite my persistent efforts.

Expedite the process of opening my account and ensure its activation without further delay.

Conduct a comprehensive review of the late closed and charge-off accounts, and take immediate steps for their removal.

Improve communication channels to keep me regularly informed about the progress made on both issues and the expected timeline for resolution. 

Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your institution 's services. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. I am asking for your assistance to correct this late open account and remove the late closed and charge off accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. 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. 

XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX 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 XXXX be inaccurate. I need this account removed NOW. 

XXXX. 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. 

XXXX. XXXX XXXX Balance Owed : {$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. 

XXXX XXXX XXXXXXXX XXXX Balance Owed : {$79.00} - 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. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to 0 or eliminate the item certainly.

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