Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I recently disputed two charged off accounts for the finding of FCRA VIOLATIONS BELOW I WILL SUPPLY SUPPORTING DOCUMENTS THAT A INVESTIGATION WAS NOT PROPERLY HANDLE BY BOTH EXPERIAN AND XXXX I AM REQUESTING THAT THE FTC AND CPBF FULL LOOK INTO THE COMPLAINTS THAT ARE BEING FILED IN THE PAST EXPERIAN AND XXXX HAS A KNOWN HISTORY OF NOT COMPLETING A FULL INVESTIGATION OF THE ILLEGAL REPORTING AND THE DISPUTES REPORTED. 

I want to added I sent the same dispute to XXXX verified the inaccuracies and incomplete and inconsistencies for the account prompted for the account to be removed from my credit report This is my statement and DISPUTE LETTER FOR YOUR RESPONSE TO your Letter DEAR EXPERIAN AND XXXX AFTER FULLY READING YOUR RESULTS I FEEL YOU AGAIN HAVE NOT PROPERLY INVESTIGATED THE INACCURACIES ON MY CREDIT REPORT THE ACCOUNTS THAT ARE IN QUESTION ARE AS FOLLOWS XXXX XXXX XXXX opened XX/XX/XXXX Account number XXXXPast due balance on a CHARGE OFF account is XXXX Which is also INACCURATE REPORTING Last updated of activity was on XX/XX/XXXX on a charge off account which is also INACCURATE REPORTING PAYMENT HISTORY As of XX/XX/XXXX Experian is being reported PAYMENT History As of XX/XX/XXXX XXXX DOES NOT REPORT ANYTHING THIS IS INACCURATE INCOMPLETE AND INCONSISTENT REPORTING PLEASE NOTE XXXX DELETED ACCOUNT XXXX XXXX XXXX opened XX/XX/XXXX Account number XXXXPast due balance on a CHARGE OFF account is XXXX Which is also INACCURATE REPORTING Last updated of activity was on XX/XX/XXXX on a charge off account which is also INACCURATE REPORTING PAYMENT HISTORY As of XX/XX/XXXX Experian is being reported PAYMENT History As of XX/XX/XXXX XXXX DOES NOT REPORT XXXX THIS IS INACCURATE INCOMPLETE AND INCONSISTENT REPORTING PLEASE NOTE XXXX DELETED ACCOUNT If these account have been properly verified who verified it where are the documents as the error and illegally reported information is still on my report as a consumer I have the RIGHT TO A COMPLETE CONSISTENT AND ACCURATE CREDIT REPORT AND YOU HAVE FAILED FO COMPLY TO THIS OBLIGATION. 


MY DISPUTE LETTER IS AS FOLLOW YOUR COMPLAINT I recently disputes errors for with my credit report pertain to a charged off account with XXXX XXXX both accounts opened XX/XX/XXXX and XX/XX/XXXX. Charged off accounts should Never be associated with any late payments on top of it a charge off account. While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : Account Names XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Theses charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item IMMEDIATELY It is illegal according to FCRA section 623 it states that an account can be reported delinquent on the months that it is delayed but once an account is closed it can only reflect charge off or late up to the date that it closed due to this violation the account by law is required to be delete any information including the account from my credit report permanently I previously disputed the same errors with CRA TO INVESTIGATE THE FACTUAL ERRORS ON MY REPORT Experian XXXX they properly researched the account errors and deleted the account from my file using the the FCRA LAWS THAT WERE VIOLATED BY XXXX XXXX XXXX and XXXX XXXX  XXXX ALL CRA SHOULD BE REFLECTING THE SAME BALANCE PAYMENT HISTORY AND THEY DO NOT OTHER FACTUAL ERRORS VIOLATES FCRA REGULATIONS I HAVE ASKED THE CRA Experian & XXXX TO INVESTIGATE violations and THEY FAILED TO COMPLY with Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA , and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I have also filed complaint with the XXXX AND FTC IN REGARDS TO THE CONSTANT NEGLECT OF MY DISPUTES

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