Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed two charged off accounts for the finding of FCRA VIOLATIONS BELOW I WILL SUPPLY SUPPORTING DOCUMENTS THAT A INVESTIGATION WAS NOT PROPERLY HANDLE BY BOTH EXPERIAN AND XXXX I AM REQUESTING THAT THE FTC AND CPBF FULL LOOK INTO THE COMPLAINTS THAT ARE BEING FILED IN THE PAST EXPERIAN AND XXXX HAS A KNOWN HISTORY OF NOT COMPLETING A FULL INVESTIGATION OF THE ILLEGAL REPORTING AND THE DISPUTES REPORTED. I want to added I sent the same dispute to XXXX verified the inaccuracies and incomplete and inconsistencies for the account prompted for the account to be DELETED from my credit report This is my statement and DISPUTE LETTER FOR YOUR RESPONSE TO your Letter DEAR EXPERIAN AND XXXX AFTER FULLY READING YOUR RESULTS I FEEL YOU AGAIN HAVE NOT PROPERLY INVESTIGATED THE INACCURACIES ON MY CREDIT REPORT THE ACCOUNTS THAT ARE IN QUESTION ARE AS FOLLOWS XXXX opened XX/XX/21 Past due balance on a CHARGED OFF account is XXXX Which is also an illegal error and illegally reported information is still on my report as a consumer I have the RIGHT TO A COMPLETE CONSISTENT AND ACCURATE CREDIT REPORT AND YOU HAVE FAILED TO COMPLY TO THIS OBLIGATION. MY DISPUTE LETTER IS AS FOLLOW YOUR COMPLAINT I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXX opened XX/XX/21 Charged off accounts should Never be associated with any late payments or reflect a c/o status each month this is INACCURATE REPORTING AND SHOULD BE DELETED FROM MY CREDIT REPORT FOR VIOLATING FCRA REGULATIONS PERMANENTLY. I am not asking for an update as the update you stated you did per your results did not fix the violation of the FTC CBPF AND FCRA REGULATION ON HOW ACCOUNTS SHOULD PROPERLY BE REPORTING AS YOU HAVE ALLOWED XXXX FOR MONTHS NOW TO REPORT THIS NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT AND I AM NOW DEMANDING FOR THOS INFORMATION AND ACCOUNT TO BE DELTED AS IT IS STILL NOT PROPERLY BEING REPORTED AFTER YOUR FALSE STATEMENT OF COMPLETING AN INVESTIGATION OR AS MY RIGHT AS A CONSUMER I WILL SEEK LITIGATION IF THIS ACOUNT IS NOT DELTED PERMANENTLY IMMEDIATELY YOU NOW HAVE 15 days to complete this final reinvestigation again and DELETE ANY ACCOUNTS THAT DO NOT COMPLY WITH THE FCRA REGULATIONS SUCH AS XXXX XXXX THIS MY FINAL WARNING. While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX opened XX/XX/21 this account shows past due and c/o as payment history for multiple months which is INACCURATE REPORTING AND A VIOLATION OF THE FCRA regulations. This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX XXXX XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian XXXX XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA , and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX AND FTC IN REGARDS TO THE CONSTANT NEGLECT OF MY DISPUTES Might I add according to the multiple violation per 15 usc 1681 Accuracy and complete reporting Both XXXX and Experian both have different payment history as you can see in the pictures attached XXXX shows NO PAYMENTS HISTORY MEANWHILE EXPERIAN DOES WHICH IS ALSO INACCURATE REPORTING PROMTING FOR THIS ACCOUNT TO BE PERMANENTLY DELETED FROM MY CREDIT REPORT PERMANENTLY

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