Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: AL
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:
Thanks for taking the time to read this as I'm sure you get many of these per day. But my complaint is about my consumer report and how this company is not treating me fairly. I would say I thought this was a mistake up until I got someone knocking on my door with a garnishment letter. So then I knew it was real. After digging deeper into it, I found many violations this company is using deliberately to hurt my credit. The report shows a charge off every month from XX/XX/XXXX until XX/XX/XXXX. Once the account was charged off as a loss it was supposed to be closed and not reported every month as a Charge Off. Also, it should have only reported one Charge Off in XX/XX/XXXX but every month since then it has been reporting a charge off. This tactic One-main is using, keeps this damaging information on your credit so you score can never build and so that it can continue to stay on your credit until 7 years after the last report was ran. The amount charged off was {$4600.00}, then the balance increased to {$5400.00} in XX/XX/XXXX, now it says the Balance is {$6300.00} as of XX/XX/XXXX. The account is closed but still reporting a balance every month. The Date of first delinquent was XX/XX/XXXX but it is showing XX/XX/XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, and XX/XX/XXXX all show an experience and transaction between the XXXX XXXX  ( the person ) and myself ( the consumer ). Between XX/XX/XXXX and XX/XX/XXXX there is no data reported but then shows I am 30 days late in XX/XX/XXXX. The law states and I will copy it here for all to see : Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; So as you can see how congress labels everything so there is no doubt, this company has violated me so many different times.

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