Consumer complaint received 2019-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Please listen to me! Look at what I have provided to you! I have given you PROOF of BLATANT FCRA VIOLATIONS! The XXXX account is RE-AGED and the XXXX account is reporting CONCURRENTLY AS POSITIVE AND NEGATIVE! Per the FCRA, it doesn't matter which is correct ( whether it was late or not ) ; what matters is the FACT that the XXXX account is clearly REPORTING DIFFERENTLY across bureaus! The XXXX account was late, clearly, but it STILL CONTAINS VIOLATIONS that requires it, again, under the FCRA of which you're dismissing, to be immediately deleted. That account is showing 180 days late three months in a row IN BETWEEN COLLECTIONS MARKS. This is what you can see right there in your system! That's a violation. In ADDITION, it reports -- as the proof I've provided shows -- a negative CO mark in XX/XX/XXXX, YEARS AFTER THE ACCOUNT ALREADY CO 'd. That's re-aging -- that's a violation -- and the FCRA states that such accounts are to be immediately deleted! Even the XX/XX/XXXX andXX/XX/XXXX CO marks in Experian are re-aging because the account officially CO 'd in XX/XX/XXXX! The account has re-aging all thru it and it's right there in your system at this very moment to see! Yet, you're telling me that " it's reporting correctly ''??? No, it is NOT. I repeat : Accounts with FCRA violations are supposed to be immediately deleted, and it is also a violation on YOUR part, Experian, that you're rejecting my disputes and the obvious proof I'm showing you! If these are not immediately deleted, then I will be suing per credit account for damages. No, this is not an empty threat and I have indeed been in contact with a legal team on how to proceed with this matter. I have been dealing with you all for a YEAR now trying to go thru a process you all provide -- called " disputing '' -- and HAVE PROVIDED YOU PROOF THAT YOU KEEP REQUESTING. Yet, you repeatedly deny me my due diligence and are acting recklessly and negligently with my credit file. YOU all are the ones reporting this info CONTAINING FCRA VIOLATIONS. I am requesting the accounts be deleted per the FCRA VIOLATIONS I have noted, which is the fact that an account reporting both positive and negative and across bureaus is an illegal reporting -- a violation -- and that an account that is re-aged is an illegal reporting -- a violation. Experian, it is YOUR system that to this day shows that " XXXX XXXX   recently reported negative payment info '' -- that's called re-aging. It is in YOUR system, Experian, that XXXX   reports negatively for the same months that they're shown positive at XXXX! That's an illegal reporting -- a violation -- because the accounts reports in direct conflict with each other! All of this is in YOUR system and you're acting like there's nothing you can do about. That is absurd. I've tried to be patient -- a year's-long patient -- and you keep doing this! Delete these accounts NOW.

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