Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I need help from the CFPB protecting my rights against Experian 's flagrant violations against my rights and Federal Law.

Dear Experian You changed a positive account thats been reporting for 7 years and now flipped it to negative and re aged this account. Why? How is this legal? 
I've pulled my credit report and have seen inaccurately and fraudulently reported negative information furnished by you that needs to be investigated and removed. 
I've also done a little research and have found that when I dispute that something is incorrect, you need to contact the data furnisher and have them verify it. From my research, I've found that if I tell you that something is inaccurate in my credit report, you need to find out what the faulty information is, and you need to contact the data provider to request an amendment. However, I've noticed that you only compare your own data with the data provided by the data furnishers; doing this means that you're going to get the same result. When I first started researching XXXX, I realized that you only compare your data against other the data furnisher 's. In doing so, you're essentially always going to get a verified result! So, I'm contacting you to request that you do more than a " database comparison '', because this is federal law mandates an independent investigation. 
I also read on the internet about something called 15 U.S. C Sec. 1681i ( a ). It says that if you can not provide proof, these accounts must be deleted. If not available, I would want these accounts deleted if they are not 100 % correct and accurate. It also mentioned that you have 30 days to complete this investigation. 
My rights have been violated by reporting the following inaccurate accounts. 
15 U.S..C. 1681 Section 602 A. States that I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing any of the following information : any other adverse item of information, other than the records of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account may be inaccurate. 

You changed a positive account thats been reporting for 7 years and now flipped it to negative and re aged this account. Why? How is this legal? 
XXXXXXXX XXXX XXXX # Account # XXXX From my credit report below from XX/XX/XXXX shows this account status was closed and status updated date of closed XX/XX/XXXX. This account is past 7 years old and needs to be deleted. The credit report from XX/XX/XXXX below shows account status closed/never late and status updated date of closed XX/XX/XXXX, again shows past 7 years old and needs to be deleted. The latest credit report below from XX/XX/XXXX shows this account is now changed to being a negative even though it was closed as never late. You have re aged this account and 7 years you changed this account status from closed/never late to being a charge off Delete now because this is illegal! Below ive provided screen shots of all three reports mentioned above. I need to know how the investigation was conducted and see the copy of the signed contract from XXXX XXXXXXXX XXXX. Due to these multiple violations mentioned on this account ; was changed from closed to never late to a charge off, failure to remove within statute of limitation, this account has now been re aged account needs to be deleted immediately especially Credit report from XX/XX/XXXX ( Attached screen shot showing positive account history ) Credit report from XX/XX/XXXX ( Attached screen shot showing positive account history ) Credit report from XX/XX/XXXX you changed this account from reporting as positive to negative after 7 years of good account history. ( Attached screen shot showing positive account history then switched to negative and reaged ) I am requesting the account referenced above that are inaccurate account to be deleted. It's my right to obtain a credit report once you've completed this investigation reflecting the changes. Please include documentation to back up your claim if you find it accurate. 

Thank you! 
XXXX 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 explanation