Consumer complaint received 2018-09-28
Company: Experian Information Solutions Inc.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Because of XXXX XXXX XXXX XXXX ( XXXX ), my credit score is being dragged down with multiple credit reports from XXXX annually, since XXXX.In XXXX my 2 accounts were closed. In XXXX of XXXX, XXXX " charged off '' both accounts. 
XXXX issued me 1099 's in XXXX for the two accounts, one a line of credit associated with a now closed bank account and the other for a credit card. for That means I am claiming income for the charge offs and XXXX takes a loss on their corporate taxes. I have never seen or received a bill since the account was closed. Nor did I receive any communication by email or otherwise. It is only by subscribing to Experian, I am able to monitor activity and protect myself. XXXX continues to report to credit reporting agencies, my account as current, in spite of the same reports noting the accounts were closed in XXXX, charged off in XXXX, and issuance of 1099 's in XXXX. Up through CURRENT, my credit report for XXXX indicates, on the calendar, a red box, FAILURE TO PAY ( FP ). 

Every time I dispute the reported XXXX closed/Charge-off penalties, with the continued FP ( failure to pay, kept current through XXXX   reporting ), XXXX would respond to my dispute by claiming the debt/accounts again. Like a slap in the face. I believe I have XXXX claiming my account as delinquent in XXXX of this year and again, XXXX. However, I now keep my credit report LOCKED to prevent abusive reporting from XXXX. 

The account was closed in XXXX by an employee named XXXX, for which I have emails confirming. She was no longer an employee between account closure and the the claim of unpaid debt. 

It is XXXX. I suppose the Federal laws regarding consumer protections and credit reporting are null and void in this case? More than years, and the XXXX report does not fall off? 
Even though the accounts are noted as closed and Charged OFF, and the issuance of 1099s indicating such, XXXX has remained current and persistent with marking my account calendar FP ( RED ) Failure to Pay? 

The fact the account was not properly closed, should not be the responsibility of the client. In fact, the account closure can only be authorized and processed by XXXX authorized staff. Dropping the ball with communication in the disappearance of my then assigned point person to close accounts, is not the fault of the consumer or account holder. IT is in fact the organizational and professional responsibility of the institution. In this case, XXXX. 

I have further documentation proving such. However, at this juncture, I do not think this matters. It is a matter of justice VS aggressive and manipulative credit reporting practices. 

A financial institution must follow guidelines, consistent with the Fair Credit Reporting Act. 

" If you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or your state attorney generals office nearest you '' Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.

Reporting agencies mustnt disseminate outdated negative information. 
Information in your file is limited to those with a valid need for it. 

You must give written consent for credit agencies to send your credit report to employers. 
If your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages. 

Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?

Failure to report that a debt was discharged in bankruptcy.

Reporting a debt as charged off when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer. 
Reporting information that is more than seven years old ( when bankruptcy notices should lapse ) or 10 years old ( civil judgments ).

Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 
There are several more violations in the actions of XXXX. 


I hope you can comprehend the damage these unfair and illegal practices have caused me. Now, by paying off XXXX, although there are clear damages such as my inability to get a credit card or rent an apartment, I hope you will consider righting the illegal reporting of the account as current, failure to pay, for 7 years. Sure. Note me as having 2 accounts as Closed and charge off. Then PAID. But please write all credit bureaus to ask that the FP be removed as CLOSED, CHARGE OFF and FP can not all be claimed, simultaneous, for 7 years, per the Fair Credit Reporting Act. That in itself, will help immensely. 

XXXX two accounts are the ONLY accounts ruining my credit, specifically with the 7 years of reporting, multiple times per year, FP, through XXXX of XXXX. CURRENT ACTIONS! 

I look forward to your response and hope you will look further into the Fair Credit Reporting Act, The submission of the 1099s per charge-off laws as reported income, the closure of the accounts, and the continued reporting of the closed, charge off accounts up until land possibly through the statutory limit for reporting debts/negative account reporting. 

As I have and had corrected, my address is : XXXX XXXX XXXX XXXX XXXX, Oregon XXXX. 

I changed my address in XXXX as I was no longer living at the XXXX Address. I changed my address again in XXXX. Your 1099s reached my current XXXX address.

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