Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: FL
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:
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information reported by XXXX XXXX XXXX ( Home Equity ) on my credit reports with Experian, XXXX and XXXX. 

I am including a copy of the following XXXX credit report, File Number : XXXX, report date : XX/XX/XXXX. 

I am including a copy of the following Experian credit report, report number : XXXX, date of report : XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, Items as of date reported : XX/XX/XXXX. 

The XXXX report shows that the " Pay Status '' CHARGED OFF, not closed. The report was last updated on XX/XX/XXXX, reporting inaccurate data, stating that the item will be removed on XX/XX/XXXX. The Maximum Delinquency of 120  days in XX/XX/XXXX and XX/XX/XXXX. 

Although XXXX XXXX XXXX is NOT reporting the complete payment history, the XXXX credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 


On my Experian credit report it shows the account status as closed and updated on XX/XX/XXXX, balance updated on XX/XX/XXXX, shows " ON RECORD UNTIL '' XX/XX/XXXX. 

XXXX XXXX XXXX  is NOT reporting the complete and accurate history, the Experian credit report clearly shows that the first 30 day late payment reported is XX/XX/XXXX. 

On my XXXX credit report it shows the account status as Charge off and updated on XX/XX/XXXX, shows " Date of 1st Delinquency '' as XX/XX/XXXX. 

The XXXX report shows the Account History with Status Codes back to XX/XX/XXXX, which clearly shows, from what I can tell without the full account history, the first 30 day delinquency. 

XXXX XXXX XXXX is NOT reporting the complete and accurate history, on any of my credit reports and is extending the reporting history and affecting the removal dates from all of my reports creating derogatory account information which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act Per the FCRA, 611 - 15 U.S.C. 1681i, ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX Home Equity.

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