Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing my credit report account information as inaccurate and reporting errors with Experian. I found out about the alleged debt when it was to late. Ive contacted Experian Credit Bureau numerous of times and disputed those errors and inaccurate information thats remaining on my credit report. Ive also asked Experian to validate the debt, Experian have always come back to me and stated they were able to verify and validate this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agencies myself and have been unable to get them to verify that this is indeed my debt with physical documentation. Experian is reporting errors and incorrect information with the creditor XXXX XXXX XXXX. XXXX XXXX XXXX is also rude and non complaint to my disputes. I know XXXX had a class action lawsuit including a settlement. XXXX A coalition of XXXX attorneys general led by Illinois Attorney General XXXX XXXX, announced on XX/XX/XXXX, a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX that includes approximately {$550.00} XXXX in relief for consumers with even more relief in additional deficiency waivers expected. The settlement resolves allegations that XXXX violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ) XXXX XXXX XXXX was also ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ). According to the consent order it states Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent. With that being said Experian did not report any payment history from XXXX  XXXX-XXXX  XXXX  but listed payment history in XX/XX/XXXX as agreed/ paid on time. Why is Experian not reporting the payment history when this alleged account open date was in XX/XX/XXXX. Experian intentionally left it blank and is reporting inaccurate information. Experian must retain the delinquency date connected to the original charge. Experian is in violation of the law by reporting inaccurate information. Experian is also reporting the following for the XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX, Date Opened, XX/XX/XXXX, Account Number XXXX, Account XXXX XXXX XXXX, Responsibility Joint with XXXX XXXX, Status Account charged off. {$13000.00} written off {$18000.00} past due as of XX/XX/XXXX. 
Status Updated, XX/XX/XXXX Balance {$18000.00} Balance Updated XX/XX/XXXX, Recent Payment {$0.00}, Monthly Payment {$0.00}, Original Balance {$20000.00}, Highest Balance {$0.00}, Terms 84 Months, On Record Until XX/XX/XXXX. 
If the account was opened XXXX XXXX and the original balance was {$20000.00}. Why do I still have a balance of {$18000.00} in XX/XX/XXXX. So this is stating and Experian is reporting after 5 years the exact and only amount paid on this alleged debt was a total of {$2000.00}. Experian is in violation of the law by reporting inaccurate information. 

Please also note whether this debt is within the statute of limitations and how that was determined. Please provide Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

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