Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I disputed the completeness and accuracy of these charge-off accounts on my consumer report and it has come back verified. I do not believe that they properly investigated this account because there are obvious inaccuracies. 

XXXXXXXX XXXX- The date of the last activity does not match- Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

XXXX XXXX XXXX The account has been re-aged. Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This is a clear 2-year difference. This is a violation of reporting. Need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 

XXXX XXXX XXXXXXXX The date of the last activity does not match- Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while Experian and XXXX are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations. 

The Account Number does not match- XXXX is reporting XXXX while Experian and XXXX are reporting XXXX. If this has come from the same furnisher, is no way the balances can be different. 

XXXX The date of the last activity does not match- Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

XXXX XXXX XXXX The account has been re-aged. Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This is a clear 4-year difference. This is a violation of reporting. Need I remind you this falsely manipulates the statutes of limitation on when this account is supposed to fall off. 

The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while Experian and XXXX are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations. 

The XXXX XXXX does not match- XXXX is reporting a high balance of {$2500.00} while XXXX and Experian are both reporting {$2500.00}. This can not be correct since you are getting the information from the same place to report this. 

XXXX XXXX The date of the last activity does not match- Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

The date of the last payment is missing- Since they have not reported the date of the last payment, it messes up two things. First, it does not help indicate when this account was actually charged off and secondly, it manipulates the statute of limitations as I can not tell when this account is supposed to fall off. This means that you were never given the true date of the first delinquency and this is causing me stress being reported. 

XXXX XXXX The date of the last activity does not match- Experian is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off.

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