Consumer complaint received 2017-04-08
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently sent in a request to have some incorrect information removed from my credit report and it was sent back to me without any change, and as verified accurate. 
The CRA is inaccurately reporting information on my accounts. After doing some research on what my next move should be I was able to find some information that told me the " requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. '' I have disputed the following with the CRA and they returned it as verified, even though they are obviously inaccurate. I dispute these items in their entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting. If the CRA determine any listed entry as " previously investigated '', I demand the full method of your verification including the employee name, company address, and phone number for each entity that furnished the erroneous data. 

XXXX XXXX XXXX - XXXX .... 
This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 56 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 80 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX XXXX XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete Should they not be able or willing to provide me with the substantiating documentation as verification to cure these violations, within the next 30 days. Then I will use the filing of this complaint and the associated answer to file suit seeking relief for the violations of the FRCA. XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

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