Consumer complaint received 2024-07-26 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 formally dispute the following inaccurate information on my credit report. This is my attempt to resolve this issue, and I am deeply frustrated with the lack of response and resolution from your agency. These accounts are inaccurately reported as late and charged off. I have made multiple attempts to resolve this matter, including providing documentation and evidence that these accounts were closed in good standing and should not be listed as late or charged off. I am requesting that these inaccurate entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. These are the following accounts that are needs to be removed : XXXX. XXXX XXXX XXXX XXXX : {$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 XXXX : {$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. 
XXXXXXXX XXXX XXXXXXXX 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. 
XXXX. XXXXXXXX XXXX XXXXXXXX Balance Owed : {$750.00} - The payment history and status are inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been chargedoff or placed for collection. Please delete this account immediately. 
XXXX. XXXX XXXX XXXX XXXX : {$140.00} - 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. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$400.00} - The limit to this account was a fraction of the amount due 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 XXXX XXXXXXXX Balance Owed : {$1400.00} - This particular account is undoubtedly placed as a charge-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 with XXXX or eliminate the item certainly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - 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.

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