Consumer complaint received 2017-07-14
Company: Experian Information Solutions Inc.
State: NY
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:
Experian willfully and repeatedly violated the Fair Credit Reporting Act by Re-aging a charge off account and also not conducting reasonable investigation procedures as required by the Fair Credit Reporting Act. On or about, XX/XX/XXXX, I obtained my credit file from XXXX XXXX. I noticed that an account from XXXX XXXX XXXX was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out letters to all three credit bureaus disputing that this account from XXXX XXXX XXXX was time-barred and needed to be deleted from my credit file. All three credit bureaus wrote back stating that XXXX XXXX XXXX verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for the credit bureaus to send me my credit file with all information that they used to verify this account from XXXX XXXX XXXX. Both XXXX and XXXX stated that they reinvestigated and verified that the account needs to stay on my report but both did not send me the information contained in their files regarding this account that they used to verify. Experian sent me a letter stating that they WILL NOT reinvestigate this account from XXXX XXXX XXXX and stated that if I still had a problem to contact XXXX XXXX XXXX itself. I then wrote to XXXX XXXX XXXX and asked them to send me the information that they had regarding this account but they have not done so. Upon my further investigation, I researched past credit reports I obtained from Experian as well as the other credit bureaus. I observed that on a report dated XX/XX/XXXX, Experian listed that the XXXX XXXX XXXX listing was charged off in XX/XX/XXXX. Both XXXX and XXXX also have a charge of date of XX/XX/XXXX which I believe to be inaccurate. However in updated reports Experian sent me dated XX/XX/XXXX and XX/XX/XXXX, Experian listed that the account was charged off on XX/XX/XXXX. In addition to that, they removed the charge off remark from the XX/XX/XXXX slot and inserted a 180 day paid late in place of it. Experian also replaced all the information they had after the 180 day paid late to a No Data ( ND ) remark. Had Experian did a reasonable and thorough in-house investigation, they would have found that they changed around this information on my file. On XX/XX/XXXX, Experian once again sent me another letter stating that Experian WILL NOT reinvestigate this listing from XXXX XXXX XXXX. XXXX XXXX XXXX also is reported different balances due across all three credit reports. I recently applied for two credit cards, one from XXXX XXXX and another from XXXX XXXX XXXX which were declined because of Experian 's and XXXX XXXX XXXX 's inaccurate information about me. I have sent you copies of this information attached to this email. I numbered the pages at the top center of each page. I am at wits end with dealing with this matter concerning XXXX XXXX XXXX and Experian. At this point, it seems that the actions of both XXXX XXXX XXXX and Experian is reckless, malicious and intentional. <P/>The account I am referencing to is : XXXX XXXX XXXX Acct # XXXX

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