Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/XXXX RE : Dispute Letter to XXXX and Experian. Account # XXXX and previous account # XXXX dated XX/XX/XXXX, XX/XX/XXXX. 
NOTICE OF COMPLAINT 1. This Submission shall serve as a formal notice and complaint filed with the FTC against XXXX to correct unlawful credit reporting ; the CRA 's blatant disregard of two previous notices of dispute ; and the CRAs disregard of its own 10 year historical credit file pertaining to the above referenced account. ( See XXXX Dispute Report and Experian Dispute Report. uploaded attachments ). 

2. Please note that XXXX, upon receiving my NOTICE of DISPUTE examined its own historical credit report records and concluded that the account is obsolete, and removed it from my credit file. See XXXX historical reports at ( EXHIBIT-1, EXHIBIT-2, and EXHIBIT-4 ).

3. Whereas, the two remaining CRA 's Had a duty imposed by the FCRA to reinvestigate the dispute pursuant the FCRA 's special rules designed to make certain that the debts was tracked and identified as a single obligation as they are transferred from holder to holder. In this case the CRA 'S failed to follow the law. 

4. Both CRA 's historical credit reports as to the accounts reference above shows that between XX/XX/XXXX and  XX/XX/XXXX, both CRA 's consistently reported the " DATE OF FIRST DELINQUENCY '' as being XX/XX/XXXX, that date was furnished to the CRA 's by XXXX prior to the charge-off and closure of the account by XXXX. Both CRA 's historical credit reports clearly shows that the " Estimated month and year that this item will be removed : XX/XX/XXXX ''. As proof see ( EXHIBIT-4, XXXX credit report dated XX/XX/XXXX ), and ( EHIBIT-6, Experian credit report dated XX/XX/XXXX ). 

5. Please be advised that according to the CRA 's historical records and XXXX previous trade-line, account # XXXX has been intentionally misstated as XX/XX/XXXX,  which is two full years pass the previously reported date of removal. As proof see ( EXHIBIT-5, XXXX credit report number XXXX dated XX/XX/XXXX ), also see ( EXHIBIT-7 Experian credit Report dated XX/XX/XXXX which reports a completely fraudulent XXXX. As proof of error reefer to EXHIBIT-3 and 4, for the date the debt was sold to collection and the true XXXX. Please note that according to XXXX XX/XX/XXXX Credit Report, not only the XXXX is XX/XX/XXXX, the account was closed on or before XX/XX/XXXX, and reporting a XXXX as XX/XX/XXXX. There has been absolutely no activity on my part regarding this account since it was closed, and because the date of delinquency precedes the date the creditor placed the account for collection the XXXX 6. Since the CRA 's did not rely on its historical credit files, they have made an erroneous determination predicated upon a false belief that the initial date of delinquency or charge-off is the more recent " date of last activity '' ( when the account was assigned to the collector ) rather than a date months or years earlier, when the debt was in the hands of the original creditor. Misreporting in this manner means that the debt will be included in credit reports long after it has become legally obsolete and therefore no longer reportable ( seven years after delinquency for most debts ). 

7. Although one of three CRA 's correctly responded by deleting the time barred account, the other two CRA 's that are subjects of this complaint failed to REMOVE THE obsolete ACCOUNT. the failure to comply with these federal regulations by these credit reporting agencies must be investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

8. For the record, the following information is being erroneously included on my credit report, as I have advised the CRA 's on two separate occasions, more than 90 days ago :

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 non-monetary relief