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 express my frustration and disappointment regarding the persistent delays in correcting the late open accounts and the removal of public records from my financial records, despite numerous attempts to rectify these issues. 

It has come to my attention that there are inaccuracies in my financial records, specifically related to late open accounts and public records that have been erroneously reported. Despite my repeated efforts to address these discrepancies and provide supporting documentation, the necessary corrections have not been made. 

These inaccuracies have had a significant impact on my financial standing and creditworthiness. As a responsible consumer, I have diligently maintained my accounts and fulfilled all financial obligations. However, the presence of these inaccuracies unfairly tarnishes my credit history and undermines my financial credibility. 

I demand immediate action to correct these errors and ensure that my financial records accurately reflect my financial history. It is imperative that the late open accounts are rectified, and any public records inaccurately reported are promptly removed from my records. 

Furthermore, I expect your institution to implement measures to prevent similar errors from occurring in the future and to provide better support and assistance to customers facing similar issues. 

Failure to take immediate action to resolve these matters will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. 

Thank you for your attention to this urgent matter. I trust that you will act swiftly to address my concerns and restore the accuracy of my financial records. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1000.00} I have serious doubts regarding the accuracy of the reported late payment dates. I firmly assert that I made all payments on time as required. I demand that you promptly report the payment status as positive and eliminate all late payment entries from the reporting associated with this account. Your immediate action to sort out this matter is expected. 
XXXX XXXX XXXX Balance Owed : {$2100.00} The presence of a 30-day late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected. 
XXXX XXXX XXXX  Reference # : XXXX 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