Consumer complaint received 2023-06-16
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that these creditors properly investigated this account because there are obvious inaccuracies. 

XXXX XXXX Account Number XXXX The account went from 30 days late then straight to charge-off status- Experian is reporting a 30-day late payment in XX/XX/XXXX then a charge-off on XX/XX/XXXX in the payment history. How is it that you can go from 30 days late straight to charge off the next month? It is to my knowledge that it takes anywhere from XXXX days to become a charge-off. This shows that there is no true date of commencement on this account and could be used against you in federal court. 

FXXXX XXXX XXXX Account Number XXXX XXXX is reporting a monthly payment on a charge-off account. It is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

XXXX XXXX XXXX XXXX Account Number : XXXXThe account went from 60 days late then straight to charge-off status- Experian is reporting a 60-day late payment in XX/XX/XXXX then a charge-off in XX/XX/XXXX in the payment history. How is it that you can go from 30 days late straight to charge off the next month? It is to my knowledge that it takes anywhere from XXXX days to become a charge-off. This shows that there is no true date of commencement on this account and could be used against you in federal court. 

XXXX XXXX XXXX  Account Number : XXXX account is inaccurate because you never sent me a notice within 48 hours after you seized the vehicle. They never listed my personal belongings. I can pursue litigation for the amounts they charged for the repossession under California law. 

XXXX XXXX XXXX  XXXX XXXX is reporting a high balance of {$160.00} while XXXX and Experian are both reporting {$360.00}. This can not be correct since you are getting the information from the same place to report this. 

XXXX XXXX XXXX Account Number : XXXX Since Experian and XXXX have not reported the date of the last payment, it messes up two things. First, it does not help indicate when this account was actually charged off and secondly, it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a past due balance of {$460.00} while XXXX is reporting {$2700.00} XXXX There is no way you can all be right if you are all getting information from the same data furnisher. 

They have violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too They have also violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to.

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

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