Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: TX
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 am filing a complaint against Experian for failing to fix account XXXX XXXX XXXXXXXX by updating the On Record Until XX/XX/XXXX to the correct Purging date by using the Correct date of delinquency date XX/XX/XXXX as described in section 605 of the FCRA. 

XX/XX/XXXX XXXX XXXX had responded to my CFPB complaint # XXXX I had filed against them and they kindly provided me with the Date of First Delinquency on the original creditor account with XXXX XXXX  which XXXX XX/XX/XXXX. 

XX/XX/XXXX I made experian clearly aware that they are reporting a inaccurate purging date ( on record until XX/XX/XXXX ) on the account. 

XX/XX/XXXX Experian generated me with Verified as Accurate results report # XXXX and the report that was attached to my results still report this accounts On Record Until XX/XX/XXXX. Experian is verifying as accurate this account by using validity instead of correcting federal errors I put them on notice for. 

Experian blatantly ignored my dispute and failed to fix this account to the maximum possible accuracy in regards to their reinvestigation and this account remains to have a inaccurate purging date On Record Until XX/XX/XXXX, therefor this account should have been deleted. 

Experian is not following Federal Law and is currently in Violation of the FCRA section 605. For verifying as accurate a account by using some other source other than the data furnisher XXXX XXXX, KNOWING the on record until XX/XX/XXXX is inaccurate. If experian was in response with XXXX XXXX in regards to the purging date then they would have been made aware of the correct purging date to report. by experian reporting the on record until XX/XX/XXXX experian is manipulating the original date of delinquency date with the original creditor. 

I have also attached proof from XXXX website FAQ published by a XXXX XXXX a Consumer Education XXXX on XX/XX/XXXX that clearly explains the question when does the 7 year rule begin for delinquent accounts? XXXX XXXX clearly explains If you have a late payment and never bring the account current, it will eventually be written off as a loss. The debt then could be sold or transferred to a collection agency. In this case, the entire account will be removed seven years from that ORIGINAL DELINQUENCY DATE, ALONG WITH THE SUBSEQUENT COLLECTION ACCOUNT. 

I have proof from this debt buyer of experians inaccurate reporting. I have already disputed this account indirectly with experian and specifically put them on notice of the error of a inaccurate purging date On Record Until XX/XX/XXXX and experian has generated me with verified as accurate results KNOWING this account is not accurate. experian did not follow reasonable compliance procedures to assure my consumer file is of maximum possible accuracy before preparing me a new report 1681e ( b ). Accuracy of report.

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