Consumer complaint received 2023-02-21
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:
This complaint is being file against Experian. 

XX/XX/XXXX I made it very clear to experian that both Experian and XXXX are reporting two different 7 year statue of limitations removal dates in regards to the same account reporting. 

XXXX reports estimated month and year this item will be removed XX/XX/XXXX and Experian reports On Record Until XX/XX/XXXX. This one account is reporting to be removed with both agencies within 4 months apart. Experian reports the date of delinquency that led to the charge off status in the payment history to be XX/XX/XXXX. 

Experian specifies on there very own experian website that However, if the account was never brought back current, then the entire account will be removed XXXX years from the original delinquency date. 

XX/XX/XXXX experian generated me with results report number XXXX that did NOT include a name in which these results were prepared for. XXXX has also specified that the company that reported the information has certified to experian that the information is accurate. The item was not changed as a results of our processing of your dispute. Please review your report for the details. There was NO report included with my 10 page results so I may view the disputed item for details as experian has instructed me to do. According to 611. 15 u.s.code 1681i ( a ) ( 6 ) ( B ) ( ii ) as part of the contents to be included with my notice that a consumer REPORT that is based upon the consumers file as that file is revised as a result of the reinvestigation should have been included with my results. Experian has failed to follow proper procedures. 

In addition, Experian did NOT change information in regards to this account. So experian is admitting under oath that the reported account is accurate which is false because again experian reports the date of delinquency date to be XX/XX/XXXX in the payment history, if the date of delinquency date was XX/XX/XXXX then this account is due to be properly removed XX/XX/XXXX under FEDERAL law. According to 605. 15 U.s.Code 1681c ( c ) in GENERAL. The 7 year period SHALL begin with respect to ANY delinquent account that is charged to profit and loss, upon the expiration of the 180-day period BEGINNING on the date of the commencement of the delinquency which IMMEDIATELY preceded the charge of profit and loss. 

Experian is well aware of there policy on how to determine the 7 year removal date. Experian has failed to fix this account the right way. If the on record until XX/XX/XXXX is in fact accurate, then the payment history showing the delinquency date XX/XX/XXXX is wrong and if the payment history is correct then the on record until XX/XX/XXXX is wrong. Either way this account is NOT reporting accurately as they recite on my XX/XX/XXXX results. 

According to 611. 15 U.S.Code 1681i ( a ) ( 5 ) ( A ) ( i ) this account should have been deleted because information is in fact inaccurate and wasnt modified as appropriate based on the results of the reinvestigation. Included is a NEW report dated XX/XX/XXXX report number XXXX reflecting the On Record Until XX/XX/XXXX and the Payment History reflecting the date of delinquency date XX/XX/XXXX as proof this account is NOT accurate and must be deleted under FCRA regulations. The Payment History also reflects ND no data for specific months too so information is also proved to be in fact INCOMPLETE. 

( 5 ) Treatment of Inaccurate or Unverifiable information.

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 PROMPTLY DELETE that item of information form the file of the consumer, or MODIFY the item of information, as appropriate, based on the results of the reinvestigation. 

The last time this creditor XXXXXXXX XXXX XXXXXXXX XXXX has updated information and reported to Experian was XX/XX/XXXX. How is it possible for this company to certify with experian on XX/XX/XXXX that information is accurate if they havent reported since XXXX? 

Experian is NOT following FCRA proper reasonable compliance procedures to assure my file is of possible maximum accuracy before preparing me a new report and results. Experian is failing to delete inaccurate information. I have already disputed with experian on numerous occasions and I have even sent XXXXXXXX XXXX XXXXXXXX a direct letter on XX/XX/XXXX at there address reported on my consumer file, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX tracking XXXX. This company received my letter on XX/XX/XXXX and I have yet to get a response from them. If I havent got a response from them directly, then how can experian generate me with results? Idk why experian is not following rules set in place for them to follow. I belive Experian is practicing unproper procedures by going to other third party consumer reporting agencies and verifying this item with them which is NOT the proper and thorough way to complete a reinvestigation. Experian is required to communicate with the creditor for verification of accurate and complete information, not other third party consumer reporting agency entities.

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