Consumer complaint received 2018-06-07
Company: Experian Information Solutions Inc.
State: NV
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:
I pulled my own credit report last year of XX/XX/XXXX and on that same month, I have disputed Items that has been almost 10 years past the 7 years due time for deletion. The collection agencies has continued to keep updating this very old debts just to reflect that there was a new activities. When I disputed the 3 major credit reporting agencies, creditor and collection agencies, I requested them to supply me a copy of all records of why I owed them because I do not have any recollections due to the time being so Old accounts and they can not provide me with anything, instead, they just keep updating the negative information with CRA for over 10 years now. Under FCRA 623 ( A ) ( 5 ) ( A ) - If you are a debt collector furnishing information to CRA about the accounts of a creditor, YOU MUST REPORT THE DATE OF DELINQUENCY GIVEN TO YOU BY THE CREDITOR, This dates of delinquency, determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven ( 7 ) years from the debt of delinquency. In my case, XXXXXXXX XXXX and XXXX XXXX  XXXX has been reported me for over 7 years and I believed it's close to 10 years now. 

1. XXXXXXXX XXXX - Opened Date - XX/XX/XXXX - Acct. Bal. {$550.00} / Charge Off - I have requested to send me any information regarding of my signed agreement with my signatures, documentations of all charges with my signatures, they can not provide me to support their inaccurate information and I believed that this is over 10 years now from the delinquency date that XXXX card has not reported to CRA and that has to be deleted off my credit report.under FCRA 623 ( A ) ( 5 ) ( A ) 2. XXXX XXXX XXXX - Opened XX/XX/XXXX - Collection Charged OFF / Closed / Account balance is {$1800.00} / XXXX XXXX XXXX did not report the delinquency date but I truly believe that this is over 10 years and XXXX XXXXXXXX XXXX continues to keep updating on this very old account that has been past due of the 7 years Under FCRA 623 ( A ) ( 5 ) ( A ) 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Acct. Bal. {$200.00} - I have disputed this account and requesting CRA to provide me all the records of any agreements that I have signed with the credit grantor and any charges that I have approved but XXXX XXXX XXXX can not provide me with anything and they they continue to report negative information to ruin my credit. Any inaccurate information must be deleted per FCRA - you must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) 4. XXXX XXXX XXXX - Date opened XX/XX/XXXX - Account balance {$0.00} - Charged OFF - I have disputed this item of why payment status showing as Charged OFF and this negative reports to my credit is affecting my ability to buy a house. If XXXX XXXX XXXX can not provide me with the acceptable explanation or does not have the accurate information, Please delete this negative information off my credit report.

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