Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My XXXX XXXX XXXX date of first delinquency is XX/XX/XXXX. This can no longer appear on my credit file. 

The account is fraudulent and I tried to get XXXX to investigate my claim of fraud, but they refused to investigate it without a police report. They would only validate the account without actually looking at the supporting documents that prove it's fraudulent. The fraud took place in XXXX so it was pass the statue of limitations for filing a police report. They knew there was no way I could provide to them what they want. On multiple occassions they refused to look at the information I was trying to provide them that showed the account was fraudulent. The worst part is it was information that they already had in thier possession as it was part of the original loan documents. I found it to be extremely unfair for me not be able to file a police report, but yet they could still report it to my credit reports, and the only way they would investigate was if I provided something them new I could not give. 

Since XXXX refuses to investigate my claim of fraud ( which violates my rights ), I am left to look for other remedies to remove this fraudulent account from my credit files. 


In multiple phone conversations with XXXX I was told that the date of first delinquency was in XXXX, when they repoed the car, and sold it at auction. I have since received a copy of the payment history. Much to my surprise was a late fee that happened on XXXX. I called customer service, and asked them what happened to that payment. They informed me it was moved to the end of the loan. So I asked that meant from that date forward the account was never actually current. The XXXX customer service person told me that what I asked was correct. I asked him if that was my date of first delinquency and he said yes. I asked him to remove it from my credit files, and he said that his department could not handle removing credit information from files and the department that could was closed. He said he would notate the account and I could call on Monday and have the proper department address the issue. Because I told him of my experience of what happened when I called the credit reporting department, which I will explain in a second He said that the department responsible for credit reporting would need me to forward them a copy of my payment history, I have attached the three pages of payment history for that department. 

Isn't it unreasonable for the depart responsible for reporting credit history to not have access to payment history? When I first tried to address it with the credit reporting department they told me I would have to speak with customer service, because they did not have access to payment history to verify the date of first delinquency, beyond what thier system said was the date of first delinquency. I placed the call at XXXX, and they close at XXXX. The person on from the credit reporting department said he would transfer me to customer service, but instead he disconnected the call. I called back at again, and got the same representative, who said he would make sure to get me to the right department this time. And again he hung up on me. I called back a third time, waited on hold for 10 minutes ( which I had to do each time I called ), but this time a message came on saying that the department was closed for the day. It feels as though they were open, but he didn't want to handle my call as it might keep him after close. I'm not sure what qualifies as poor treatment of consumers, but I believe this qualifies. And XXXX should make sure how they want to treat consumers lines up with how thier associates are actually treating people. I wouldn't even be suprised if he actually had access to payment history, but didn't want to handle it so he could leave work at XXXX. 

Please remove this item from my credit file as it is way past the statute of limitation for reporting.

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