Consumer complaint received 2023-02-15
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:
This complaint is being filed against Experian and there inability to fix errors in regards to my consumer file after I had already put them on notice of disputed errors and for failing to follow proper reasonable FCRA procedures to assure my consumer file is of maximum possible accuracy. 

XX/XX/XXXX Experian generated me with results report Number XXXX on account XXXX XXXX XXXX and Experian had Verified this account as Accurate. Even tho Experian verified this account as accurate I notice the following errors were being reported on my After dispute results. A {$8400.00} Past Due, Balance {$8400.00} but the Original balance {$8400.00}, A Payment History and the On Record Until XX/XX/XXXX. All these fields are wrong. 

XX/XX/XXXX XXXX XXXX XXXX which is the Servicer for XXXX XXXX has provided me with a response thorough the CFPB portal in regards to the complaint I made against there agency complaint # XXXX. In the response letter XXXX XXXX clearly specifies you also express concern that the above referenced account is reporting as past due on your consumer credit files. Although we submit updates to the reporting agencies each month, we DO NOT FURNISH information that accounts are PAST DUE to the credit reporting agencies. 

XX/XX/XXXX I sent experian a dispute for account XXXX XXXX XXXX and the specific error was the fact that Experian is reporting a {$8400.00} past due as of XX/XX/XXXX in the current status when the data furnisher XXXX XXXX clearly does NOT furnish this information to the consumer reporting agencies to begin with. 

XX/XX/XXXX experian generated me with results with report number XXXX and the account XXXX XXXX XXXX outcome was Updated. As I look over the After dispute results to check if experian corrected the current status by deleting the past due remark, because clearly experian didnt delete the account, I noticed that the current status reads {$8400.00} PAST DUE as of XX/XX/XXXX. Experian did NOT fix the status instead experian has updated the status to the current month of XXXX. Errors STILL remain AFTER experian has reinvestigated this account. A payment history and past due is NOT applicable on a debt buyer account according to XXXX guidelines. The On Record Until XX/XX/XXXX is Inaccurate becasue XXXX has specified that the original account was charged off XX/XX/XXXX, therefore XXXX is NOT the date of delinquency that led to the charge off status to determine the 7 year reporting period as described in 605. U.S.Code 1681c ( c ) running of reporting period. This is basic required information that the consumer reporting agencies must report accurately on a consumer report and Experian is NOT reporting the 7 year removal date correctly. 

Experian is NOT following reasonable COMPLIANCE procedures to assure maximum possible accuracy of the information concerning my consumer report before preparing me with new results which is a Violation of the FCRA 607. 15 U.S.Code 1681e ( b ).

611. 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of Inaccurate or Unverfiable Information IN GENERAL. IF AFTER ANY REINVESTIGATION under paragraph ( 1 ) of ANY information disputed by a consumer, an item of the information is found to be INACCURATE or incomplete or can not be verified, the consumer reporting agency SHALL PROMPTLY DELETE that item of information from the file of the consumer, or MODIFY the item of information, as appropriate, based on the results of the reinvestigation This account remains INACCURATE AFTER Experian has previously verified this account has accurate and AFTER experian has updated this account on numerous occasions and has failed to modify it correctly. I have given experian the respectfully time frame and respectfully amount of times to fix this account and since they generated me with results and the outcome report is in fact inaccurate, congress clearly clarifies that this account lawfully shall be 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