Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As according to law all credit reports must match below is a summary from XXXX showing improper items were removed from credit report that violated the law and my rights. Accordingly to law all records must match. Please delete all incorrect information asap Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. ADVERSE ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. ADVERSE ACCOUNTS LISTED AS TRANSFERRED OR SOLD WILL REMAIN ON THE CREDIT FILE SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. PAID AS AGREED ACCOUNTS LISTED AS TRANSFERRED OR SOLD WILL REMAIN ON THE CREDIT FILE TEN YEARS FROM THE REPORTED DATE. ONCE AN ACCOUNT HAS BEEN OPENED, THE ACCOUNT MAY APPEAR ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE OF FIRST DELINQUENCY OR 10 YEARS FROM THE DATE REPORTED. TRADES Trade : XXXX XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX  XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX  XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX  THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : US DEPARTMENT OF EDU THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, TYPE OF ACCOUNT, DATE OF XXXX XXXX  DELIQUENCY REPORTED Trade : US DEPARTMENT OF EDU THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, TYPE OF ACCOUNT Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, TYPE OF ACCOUNT, BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, DATE OF XXXX XXXX DELIQUENCY REPORTED, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ACCOUNT HISTORY Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on XXXX

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