Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
good morning Consumer Financial Protection Bureau, today I am writing in regards to experian committing violations under the Fair Credit Reporting Act laws regarding my credit report on a XXXX XXXX account. I have brought a account to their attention numerous of times asking for them to abide by the FCRA by ensuring accuracy and completeness when it comes to their investigation. im tired of going back and fourth because all they are doing is updating this account but not accurately. instead I feel like they are sending me stall tactics to continue to report this blatant inaccurate account. as I am sure you are aware the FTC website allows consumers to learn their rights as a protected consumer for damages against the reporting agencies. I have been doing just that myself. when I received my last results that made me want to file a complaint it was because they illegally re-aged this account. they still are NOT reporting accurate information either. I have attached files of correspondence back and fourth with them as my proof to support this complaint. 

XX/XX/XXXX I wrote experian a letter asking them for a early disclusion since they report this account is due to legally fall off after the Federal 7 year statute of limitations XX/XX/XXXX. literally less than 2 months. 

XX/XX/XXXX they sent me my results claiming to have updated this account but no removal and the reporting time frame stayed the same. that's ok I tried. 

XX/XX/XXXX I sent them another letter on their inaccurate reporting based on their Status Updated reading XXXX account did not change status as a charge off in XX/XX/XXXX. to me this is manipulating the payment history as being inaccurate and inconsistent. plus if the status read the account charged off with a past due of XX/XX/XXXX then the status updated listing reading XX/XX/XXXX does not match. 

XX/XX/XXXX XXXX I received my results. they again updated. to my surprise experian illegally re-aged this account because the On record Until listing reads XX/XX/XXXX now. the before results read XXXX XXXX not only did they illegally re-aged this account they are STILL reporting inaccurate and inconsistent information in the payment history. they are not even reporting the 180 days late before the charge off status change. they report 30,60,90,120,150, CO. under 605 15 USC 1681c ( c ) ( 1 ) Running of Reporting Period. Upon the expiration of 180 days period of beginning on the date of the commencement of the delinquency which immediately preceded the collection acitivity, charge to profit and loss or similar action. so please tell me how they can report the federal legal statue of limitations on a account that doesn't even have the complete and correct payment history reporting? experian is also now In violation once again under 607 15 USC 1681 ( e ) ( b ) for failure to report maximum accurate and complete information after there investigation. I am completely drained going back and fourth and experian is causing much damage to my credit report by being non compliant under the FCRA and conducting illegal practices. please help. I have included all paperwork for your viewing.

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