Consumer complaint received 2021-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account listed below are listing inaccurate and confusing information. I have disputed this information with the 3 main bureaus XXXX, XXXX  and Experian and my request for clarification on these accounts have been ignored. I would now like all of the accounts listed below deleted ASAP due to the violations I will list below. 

XXXX XXXX XXXX  ( ORIG CRED:12 XXXX XXXX 68 ) ACCOUNT # XXXX, shows 2 DIFFERENT DATES OF LAST ACTIVE. XXXX  shows XX/XX/XXXX and Experian shows XX/XX/XXXX. How can there be 2 different dates. These dates should be the same as this will determine when the debt would fall off of the report, I have requested the bureaus to validate/verify this debt and the status now states " meets FCRA requirements ''. This can not be true with " date last active '' years apart. Please help me to ensure this account is DELETED from all 3 bureaus. 

Next account ... 

XXXX ( Original Creditor : 10 XXXX ) ACCOUNT # XXXX I have disputed multiple times, only for them to right me to say that they don't have time to investigate this account. The date last active is different for all 3 bureaus. XXXX  shows XX/XX/XXXX, Experian  shows XX/XX/XXXX and XXXX  shows XX/XX/XXXX. This is clearly nit verified or accurate. Different date of " LAST ACTIVE '' is a violation. Please help me to get this invalid account DELETED. 

Next account : XXXX XXXX  ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCOUNT # XXXX This account shows as a COLLECTION, again with different LAST ACTIVE dates which is a VIOLATION. XXXX  shows XX/XX/XXXX and Experian  shows XX/XX/XXXX, and XXXX  shows XX/XX/XXXX ... which is before the account OPENED DATE OF XX/XX/XXXX. This can not be accurate. This account also shows a PAST DUE BALANCE IN THE AMOUNT OF {$720.00} on a CHARGED OFF/COLLECTION. An account can not be PAST DUE AND CHARGED OFF AT THE SAME TIME. Please help to ensure this account is deleted immediately as my previous disputes have been ignored. The date opened is also different on the same 2 bureaus. 

Next account .... 

XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX )  ACCOUNT # XXXX This account is listed as a COLLECTION/CHARGE OFF. It also reflects a status of 120 days PAST DUE with a balance in the amount of {$430.00} on Experian and XXXX. A collection/Charge off can not be CHARGED OFF and have a PAST DUE balance at the same time. The date last active on XXXX  is XX/XX/XXXX, on Experian XX/XX/XXXX and on XXXX  XX/XX/XXXX. The date opened shows XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX  and Experian. How can the DATE LAST ACTIVE ON XXXX  BE XX/XX/XXXX, WHEN THE DATE OPENED REFLECTS 2 YEARS AFTER XX/XX/XXXX???? The account was last active 2 years before the account OPENED DATE??? How does this make an sense. Please ensure this account is DELETED. The 2 year payment history shows Charged off for Experian and OK for XXXX! HOW is this accurate??? 

NEXT ACCOUNT .... 

XXXX XXXX XXXX This creditor shows the account as CHARGED OFF, with a PAST DUE BALANCE in the amount of {$840.00}. An account can not be CHARGED OFF and PAST Due at the same time. This is clearly a violation and this account needs to be deleted immediately. The Bureau code shows Joint on one bureau and an Individual account on the other, The DATE last active is also different on each bureau. Please ensure this invalid account is deleted.

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