Consumer complaint received 2023-04-21
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 information incorrect

Complaint:
This complaint is against XXXX Experian and XXXX reporting a Inaccurate Date of 1st Delinquency date in the Payment Histories now manipulating the Purging date in terms of account XXXX on my consumer reports. I have gotten verification from the original source XX/XX/XXXX and the company clearly indicates The FCRA allows us to continue reporting the account for up to seven years from the first date of delinquency that led to the charge off, which in this case is XX/XX/XXXX. Once the time has passed, the account information can be removed from your credit profile as described in the FCRA. 

Per FCRA to my understanding as a consumer I have the full right to dispute any information on my consumer files that are inaccurate and incomplete. I have made all 3 agencies clearly aware of this matter and attached the legal document from the original creditor to support my dispute to diminish any speculation that my dispute was frivolous and XXXX Experian and XXXX refuse to fix this on going issue by not only failing to update the account to the maximum possible accuracy by reporting the correct date of delinquency in the payment history but also failing to adjust the purging date 7 years from the date of delinquency with the original creditor. 

* XX/XX/XXXX I made XXXX aware of this issue. Attached is a copy of my dispute. 
* XX/XX/XXXX I made Experian aware of this issue. Attached is a copy of my dispute. 
* XX/XX/XXXX I made XXXX aware of this issue as well as other inaccurate reported data. Attached is a copy of my dispute that I sent certified tracking XXXX. 

* XXXX currently is reporting the date of XXXX delinquency in the payment history as XX/XX/XXXX and the purging date XX/XX/XXXX on my XX/XX/XXXX report file # XXXX. 
* Experian currently supplied me with results XX/XX/XXXX report # XXXX with the date of XXXX dinquency in the payment history as XX/XX/XXXX and the purging date XX/XX/XXXX. 
XXXX has supplied me with results XX/XX/XXXX confirmation # XXXX with the date of XXXX delinquency in the payment history as XX/XX/XXXX but the unique date of XXXX delinquency field as XX/XX/XXXX. The date of XXXX delinquency field is accurate with XXXX but the payment history is NOT reporting the correct date of XXXX delinquency date to match XXXX unique date of XXXX delinquency field. 

The information from the original creditor was supplied to me XX/XX/XXXX, therefor I have respectfully given all 3 agencies XXXX Experian and XXXX plenty of time to update this one account to match the original creditors information and all 3 agencies refuse to be in compliance with federal requirements and regulations by failing to update this account correctly or delete the account which is NOT FAIR TO ME and my reports. I believe XXXX experian and XXXX are allowing the inaccurate reporting of this account to continue to report based on validity instead of verification of 100 % accurate and complete information. As of now XXXX is reporting the 7 year period to end XX/XX/XXXX. Experian is reporting the 7 year period to end XX/XX/XXXX and XXXX is reporting the 7 year period to end either XXXX or XX/XX/XXXX. One account can not be legally removed on 3 different months. XXXX Experian and XXXX are NOT meeting the Requirements of the FCRA. XXXX Experian and XXXX are refusing to report the same data furnished from the original creditor. The Consumer Reporting Agencies responsibility is to provide a standardized method for the reporting of accurate, complete and timely data that meets all requirements of the FCRA, FCBA and the ECOA. All 3 agencies are refusing to do so.

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