Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom It May Concern, During these trying times job opportunities are scarce. I was contacted to work on a Temporary Federal assignment with FEMA via XXXX upon providing information in order to have a background check performed I then was informed after being offered the position and accepting the position and turning down to definitely job offers to work on this temporary contract that I had not been selected and just found out today on XX/XX/XXXX why I had not been accepted and it was because of the following reasons. 

1. XXXX This account was paid in full. They should not be reporting a charge off. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2100.00} {$0.00} {$0.00} -- -- -- XXXX  {$0.00} PAID CHGOFF XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Remarks : CONSUMER DISPUTES AFTER RESOLUTION ; PAID CHARGE OFF ; SUBSCRIBER REPORTS DISPUTE RESOLVED-CONSUMER DISAGREES 2. XXXX  This account was paid in full. They should not be reporting a charge off. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$1200.00} {$0.00} {$0.00} -- -- -- XXXX {$0.00} PAID CHGOFF XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 3.  XXXX : IS REPORTING INCORRECTLY. I PAID ONE OF THESE ACCOUNTS OFF IN FULL BECAUSE THEY PLACED A LEAN ON MY HOME TO DO SO, THE OTHER SHOULD NOT REFLECT CHARGE OFF AMOUNTS THAT ARE BEING REFLECTED BUT THE ACCUTAL CHARGED OFF AMOUNTS WHICH ARE AS FOLLOWS {$1400.00} REPORTED ON TWO DIFFERENT 1099-C FORMS AND ONE IN THE AMOUNT OF XXXX BUT INSTEAD THE REPORT IS SHOWING CHARGE OFF AMOUNTS OF {$3900.00}, {$44000.00} AND {$2600.00} XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$3900.00} {$0.00} {$0.00} -- -- -- EDU XXXX {$0.00} PAID CHGOFF XXXX XXXX Remarks : ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; DISPUTE RESOLVED - CUSTOMER DISAGREES XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$4800.00} {$0.00} {$0.00} -- -- -- EDU XXXX {$0.00} PAID CHGOFF XXXX XXXX Remarks : ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; DISPUTE RESOLVED - CUSTOMER DISAGREES XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$2600.00} {$0.00} {$0.00} -- -- -- XXXX  XXXX {$0.00} PAID CHGOFF XXXX XXXX Remarks : ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF ; DISPUTE RESOLVED - CUSTOMER DISAGREES 4.  XXXX This account was paid in full. They should not be reporting a charge off. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$500.00} {$0.00} {$0.00} -- -- -- XXXX {$0.00} PAID CHGOFF XXXX XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Remarks : PAID CHARGE OFF ; CHARGE Due to the fact that this information is not visible to me but made visible to the Employer is not only deceptive to me the consumer but makes me question the honestly of the credit reporting bureau. XXXX  is really the credit bureau that seems to all the file to revert to Paid Charge off and the incorrect charged off amount is being reported. I have attached directly form the XXXX  site all 4 XXXX form to include the employment background check that I received.

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