Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
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 sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I am disputing this account for inaccurate information because you are reporting a balance higher than the high balance. XXXX is reporting a balance of {$2600.00} while the high balance reports as {$2200.00}. Now, there is no way that the current balance could be higher than the high balance if the high balance is the highest the account has ever been. 
XXXX XXXX XXXX XXXX Account Number : XXXX 2. Remove this account for inaccurate reporting because you have failed to report this account every month. XXXX has not reported this account since XX/XX/XXXX which is about 2 years now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me. 
XXXX XXXX Account XXXX : XXXX 3. Remove this account for inaccuracy because XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 

4. I am disputing this account for inaccurate information because they are reporting the date of the last activity incorrectly. 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 XXXX Account Number : XXXX 5. I am disputing this account for inaccurate information because they are reporting the date of the last payment incorrectly. Experian is reporting the date of the last payment as XX/XX/XXXX while XXXX is 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. 
XXXX Account XXXX : XXXX 6. Remove this account for inaccurate reporting because the date of the last payment is missing. Since Experian has 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. 

They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

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