Consumer complaint received 2016-04-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX Line of Credit account went into derogatory status in XX/XX/XXXX, was never brought current, was charged off and closed sometime in XX/XX/XXXX, and included in Chapter XXXX BK filed XXXX, XXXX and discharged XXXX, XXXX. The account XXXX is too old to be on credit file as 7 years have passed since the account went into derogatory status AND the account had never been brought current. I 've disputed this XXXX several times with all bureaus, I 've also contacted XXXX XXXX directly requesting full account history for this account which they have refused to provide, each time I call I 'm told I 'll receive in 5-7 business days, yet I 've recieved nothing. The full account history will show this account went into derogatory status in XX/XX/XXXX and was closed and charged off, it will prove that XXXX should no longer be reporting this XXXX on my credit file ( which is an attempt to keep my credit file/score impacted ). Each time I 've disputed, XXXX changes the terms and provide a new effective date of delinquency/derogatory status and history - several reports are attached showing the account history seems to be changed each time I dispute - most concerning is that they remove all the " derogatory '' status ' and report that it was current when it was not. Originally, this XXXX was scheduled to be removed in XX/XX/XXXX ( due to dilenquent/derogatory status in XX/XX/XXXX ). Then, after disputing in XX/XX/XXXX they changed the date to XX/XX/XXXX ( See XXXX report dated XX/XX/XXXX where this XXXX was scheduled to be removed in XX/XX/XXXX ). Now, after my most recent dispute, they have reported that this account was included in Chapter XXXX BK in XXXX XXXX and that the XXXX is to remain on credit file until XX/XX/XXXX! All completely inaccurate - my BK filing/discharge was in XX/XX/XXXX, not XX/XX/XXXX. In fact, in XX/XX/XXXX ( prior to filing Ch. XXXX ) I had disputed this account because it was being reported as " closed '' ( which was accurate at the time ), then XXXX began reporting it as " open '' - the screen shot from the XXXX Rpt in XX/XX/XXXX is attached. You can clearly see from the account history in XX/XX/XXXX, that the account was derogatory dating back to XX/XX/XXXX ( XXXX Rpt dated XX/XX/XXXX is attached showing this ). XXXX then began reporting the account as " paying as agreed '' and removed all the derogatory histing claiming " data unavailable '' as a means to continue reporting the XXXX as though it was valid ( XXXX Rpt from XXXX validates this ), so as not to have to comply with 7 year derogatory status reporting policy. I 'd like this XXXX removed from my file ASAP. Additionally, you can see from the screen shot of the XXXX-Bureau report that XXXX is again non-compliant with the reporting rule which states that if an account has been discharged in XXXX BK that they can not also report the account as " Collection/Charge-off '', see the screen shot where they are clearly violating this rule as they are currently reporting this account as " Collection/Charge-off '' to Experian as of XXXX/XXXX/XXXX. All other accounts which were included in my Chapter XXXX BK in XXXX have been correctly removed except this account. I understand the Public Record XXXX for the Chapter XXXX BK itself will remain on my credit file until XX/XX/XXXX which is not what I 'm disputing, I am disputing the XXXX XXXX Line of Credit XXXX only. Please help resolve as XXXX is reporting inaccurate data to the bureaus, which they seem to change yearly ... now the bureaus will not re-investigate as they believe my disputes are " frivolous '', even though I continue to provide documentation which supports my disputes that this account is too old to be on my credit file. Thank you in advance for your assistance in removing this XXXX from my credit file.

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