Consumer complaint received 2023-12-27 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 express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove late closed and charge-off entries from my credit file. I have made several requests to address these issues, but despite my efforts, the negative entries persist on my credit report. 

I have attached supporting documentation, including evidence of the resolutions and settlements reached with the respective creditors, as well as any relevant correspondence confirming the closure of these accounts. Despite providing this information on multiple occasions, the late closed and charge-off entries remain on my credit report, negatively impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. The persistence of these inaccurate entries is a violation of my rights as a consumer, and I request immediate action to rectify this situation. 

I kindly request the following actions be taken : Thoroughly investigate the inaccuracies in my credit report related to the late closed and charge-off entries mentioned above. 

Promptly update my credit report to reflect the accurate and resolved status of the accounts in question. 

Provide me with a written confirmation of the corrections made to my credit report. 

I appreciate your attention to this matter and expect a timely resolution. Failure to address and rectify these inaccuracies within the stipulated timeframe may compel me to escalate this matter to regulatory authorities. I am asking for your assistance to remove these late closed and charge off accounts in my credit file:1. 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. 
2. XXXX XXXX XXXX Balance Owed : {$3000.00} - 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. 
3. XXXX XXXX Balance Owed : {$160.00} - 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. 
4. XXXX XXXX Balance Owed : {$560.00} - 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.

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