Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to bring to your attention a matter concerning a XXXX  XXXX XXXX charge off ( Closed Account ) that was deleted from my credit reports on XX/XX/2022 but was subsequently re-inserted on XX/XX/2022. This re-insertion of the charge off is in violation of the Fair Credit Reporting Act ( FCRA ) as charge offs can only remain on a credit report for a maximum of seven years from the date of the original delinquency.

As per the FCRA, consumers have the right to dispute any inaccurate information on their credit reports, and credit reporting agencies must investigate and correct any errors. Furthermore, the FCRA requires creditors to provide accurate and complete information to credit reporting agencies. If XXXX  XXXX XXXX provided inaccurate information about the charge off, then they have violated the FCRA. 

For your reference, the following is a timeline of events and data related to this matter : My credit report on XX/XX/2022 showed one account from XXXX  XXXX XXXX on my credit report that was disputed. 

On XX/XX/2022, this account was deleted from my credit report, including the associated address, as seen in Report Number XXXX. 

From XX/XX/2022 to XX/XX/2022, my credit report was clean and did not contain any information related to XXXX  XXXX XXXX. 

On XX/XX/2022, I received a notification from Experian that a dispute was ready for Report Number XXXX for XXXX  XXXX XXXX XXXX The status was listed as " account charged off '' and {$3600.00} had been written off. The associated address was the same one that was previously deleted from my credit report. This was never disputed in this timeframe because it was never on my credit report previously to issue a dispute. 

On XX/XX/2022, I received another notification from Experian that a dispute was ready for Report Number XXXX for XXXX  XXXX XXXX with a balance of {$2200.00}. This account was previously deleted on XX/XX/2022, under Report Number XXXX and never dispute in this timeframe because it was already deleted from my credit report Both of these debts and the associated address were illegally placed on my credit report, and they are more than seven years old. I believe that Experian also illegally placed another account on my credit report after deleting the initial account and address, further damaging my credit. In addition, Experian illegally issued a dispute with the report number for items that were not on my credit report. 

This situation has had a negative impact on my credit score and financial standing, as it has affected my ability to obtain credit and other financial services. I have been working hard to improve my credit score, and this setback is frustrating and unfair. 

I would like to request that you investigate this matter and take appropriate action to ensure that the inaccurate information is removed from my credit reports and that the issue is resolved as soon as possible. 

Thank you for your attention to this matter. Please view my credit reports from XX/XX/2022 to Present date. 

Laws for charge offs to be legally removed from a credit report : The FCRA states that charge offs can only remain on a credit report for a maximum of seven years from the date of the original delinquency.

Consumers have the right to dispute any inaccurate information on their credit reports, and credit reporting agencies must investigate and correct any errors. 

The FCRA requires creditors to provide accurate and complete information to credit reporting agencies. If XXXX  XXXX XXXX provided inaccurate information about the charge off, then they have violated the FCRA.

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