Consumer complaint received 2024-03-15 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: TX

Complaint narrative:
I am writing to express my growing frustration and disappointment regarding the numerous unsuccessful attempts to remove charge-off and late closed accounts from my credit report. Despite multiple efforts and assurances from your company, these derogatory entries persist, adversely impacting my financial standing and causing undue stress. 

For several months, I have diligently followed up with your company in attempts to rectify these inaccuracies in my credit report. However, each attempt has resulted in temporary solutions or promises of resolution, only for the same issues to resurface shortly thereafter. This repeated failure to address the inaccuracies is unacceptable and undermines my confidence in your company 's ability to handle such matters effectively. 

The presence of these charge-off and late closed accounts on my credit report has had severe consequences, including hindering my ability to access credit and obtain favorable terms on financial products. Furthermore, it has caused undue stress and anxiety as I struggle to mitigate the effects of these inaccuracies on my financial well-being. 

I demand immediate and decisive action to permanently correct the inaccuracies in my credit report by removing the charge-off and late closed accounts. Additionally, I request a thorough investigation into the root cause of these repeated failures to address the inaccuracies effectively. 

Furthermore, I expect to be compensated for any financial losses or damages incurred as a result of these inaccuracies, as well as for the inconvenience and stress caused by having to deal with this situation repeatedly. 

I urge you to prioritize this matter and provide a concrete plan of action to rectify these issues promptly. Failure to do so will leave me with no choice but to escalate this complaint to regulatory authorities and seek legal recourse. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX  Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX  I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information XXXX be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX  - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and delete with lawful accuracy.

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