Consumer complaint received 2020-09-01
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX, I sent a letter to Experian regarding a collection account listed as " XXXX XXXX. '' I had previously called the number listed, and this company 's name is XXXX XXXX XXXX. In any case, I told Experian in my letter, first, that they were reporting inaccurate information on my account concerning the name of the XXXX. I also asked for some validation/verification of this debt as I did not recall ever having an account with XXXX XXXX XXXX. I emailed and spoke to XXXX XXXX XXXX as I had also sent them the same letter I sent to Experian. They responded. Experian did not. On XX/XX/XXXX, XXXX XXXX XXXX sent me verification materials, including my account detail. Both XXXX XXXX XXXX and I sent copies of these materials to Experian. 

According to the XXXX, I made my final payment on this account on XX/XX/XXXX. As Experian 's website helpfully explains, the " 7 Year Rule '', which is the time an account can remain on a credit report, begins with the first late payment recorded on the account. According to the documents I have attached, XXXX XXXX XXXX marked my first late payment on XX/XX/XXXX. They did not report any further payments after the date of XX/XX/XXXX. 

On XX/XX/XXXX, I sent another letter to Experian, laying out the exact problems I just defined. On XX/XX/XXXX, I received a letter from Experian dated XX/XX/XXXX, which states that after conducting their reinvestigation, they changed some details but are keeping the account on my report. Their updated information moves the date of the reporting to XX/XX/XXXX! Does that mean that this account has stayed on my credit report for ten years? 

I believe that both Experian and XXXX XXXX are committing fraud by keeping this account on my credit report. I did not major in math, but I can count seven years from XX/XX/XXXX ; the account should have been off of my report by XX/XX/XXXX, nearly a year ago. 

This is my last attempt to clear up this " misinformation '' without the use of the judicial system. Not only will I find it necessary to sue for actual damages and declaratory relief, but I will also have to pursue a fraud claim against both the Creditor and Experian. No other Credit Reporting Agency has this account listed. 

Both Experian and XXXX XXXX should know better regarding the amount of time a Creditor can report an account on a credit report. This last hope to avoid litigation should be viewed as my " Intent to Sue '' letter, as per the rules of the FCRA. Both companies will also be responsible for my attorney fees. I have been consulting about this matter with a local attorney. I have yet to pay him a retainer as I hope to settle this matter out of court. I will also not hesitate to reach out to local journalists for whom I'm sure this will be a fascinating story, especially now during this pandemic, when many people have lost their jobs and may be delinquent on their accounts. At the very least, it will be an excellent lesson to the public about checking your credit reports often.

And, just to make it clear to Experian who tried to close one of my disputes by claiming that it was a duplicate, I have attached the two CFPB complaints cited in their Response to Dispute to prove this is not  a " duplicate '' of any prior reporting, as the name XXXX XXXX XXXX appears no where in either letter.

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