Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to 31-State Agreement- ALL SOLD COLLECTION ACCOUNTS SHOULD HAVE XXXX BALANCES. <new line> XXXX XXXX XXXX - SHOULD HAVE XXXX BALANCE as it was SOLD Account # XXXX Original Creditor - Company Sold XXXX XXXX Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased <new line> XXXX XXXX should have XXXX balance as it was sold. 
Details Account # XXXX Original Creditor - Company Sold XXXX XXXX Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 0 % Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased <new line> EXPERIAN IS REPORTING ( 4 ) Four XXXX XXXXXXXX XXXX ( XXXX ) accounts are violating privacy issues as it displays the name of the MEDICAL FACILITY. Pursuant to 31-State Agreement, " Limits on Information That Can Be Added to a Consumer Report ''. Medical Debts : CRAs can not add medical debt to a consumer report until 180 days after the debts first reported delinquency. The CRAs must also REMOVE previously reported medical debt that has been paid or is being paid by insurance. 

<new line> EXPERIAN IS REPORTING 15 accounts for " XXXX XXXX XXXX '' with some that have the same OPEN date ( duplicates ) and SOME WITH DIFFERENT DATES incorrectly as it does not display any BALANCES OR any CREDIT LIMITS and the TYPE is incorrect, it should be STUDENT LOAN <new line> XXXX XXXX   XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid, XXXX balance Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$2600.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments - <new line> EXPERIAN IS REPORTING ( 11 ) accounts with XXXXXXXX XXXX XXXX - all having the same account number : XXXX, some with DIFFERENT OPEN DATES, and some with the SAME OPEN Dates ( Duplicates ). They do not display any " BALANCES '' or " CREDIT LIMITS '' and the TYPE of ACCOUNT IS not correct -- should be " STUDENT LOAN '' Details Account # XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance <new line> EXPERIAN is reporting an account that makes no sense XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Utility Company Date Opened XX/XX/XXXX Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Usage - Balance {$1500.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX   Monthly Payment - Past Due Amount {$1500.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement -  Comments Credit line closed-consumer request-reported by subscriber <new line> the above accounts " states " no original balance, '' closed by the subscriber, highest balance {$1500.00}, no monthly payment, etc. <new line> Pursuant to 31-State Agreement, the agreement prohibits any debt reporting that did not arise from any contract or agreement to pay. 
<new line> I would like the above accounts CORRECTED and/or DELETED.

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