Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: DE
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:
15 US Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

First, XXXX XXXXXXXX website states when an account is charged off, payment arrangements can no longer be made with them to pay it off ( sent in attachment photos ), BUT I PAID XXXX XXXXXXXX DIRECTLY FOR THIS CHARGED OFF BALANCE Ive already disputed this account due to inaccuracy of reporting, timing of payments, unfair collection practice, misleading representation etc. 

1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account came back verified accurate after Disputing : XXXX XXXX has verified all reported information is accurate. 

If this is true, then why is there still inaccurate/incomplete information reporting across XXXX, XXXX, and Experian for this XXXX XXXXXXXX account? 

For example : 2 of my reports reflect charge off and on one it reflects written off. 
Charge off is a current reflection, written off is a post/past reflection If it should be reflecting as charge off then the reflection should show charge off continued though the current month we are in, after the dispute update. 
If it should be reflecting as written off then the update should only reflect 1 month of that status and none after the month reported. 

My XXXX report states this account has a Maximum Delinquency of 120 Days AND is reporting 120 Days delinquent in excess of 1 month. Experian reports 150 days late before charge off/written off. And XXXX doesnt even have the information reporting. Each agency has information missing from my report that another, if not both other, agency ( s ) has reportingTHIS IS INACCURATE REPORTING. 

Additionally, when I log on to the Experian app ( Which is a clear extension of representation ) there is additional incorrect/incomplete information showing reported. 

When I try to dispute through the application/online, I am limited to the amount of characters I can use to express the validity of my dispute ( 210 ), which is also misrepresentation of accessible disputing option ( XXXX ). 

I have attached photos of the issues related to this dispute. 
The attempts to collect this debt has come with many unfair practices involving the accuracy reporting. 

The information is still inaccurate after requesting for it to be updated and/or removed from my report and receiving Verified Accurate Updated response. I am no longer requesting updates, Im Requesting removal of this XXXX XXXX balance immediately, and I am including just some of the laws broken during this reporting. Ive kept every report, dispute, and response related to this issue. Since this is a follow up dispute about the same account, the responding deletion should be just as prompt. Please remove this account from my report, thank you. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer ( There is CLEAR inaccuracy in the information reported, but even after multiple disputes, the account remains reporting ) 15 USC 1666 ( b ) Billing error For the purpose of this section, a billing error consists of : ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( I asked for verifiable proof of accounting for each payment in previous dispute ( s ) to be included with the dispute update. I have not received verifiable proof of accuracy, nor accurate accounting ) 15 U.S. Code 1692e - False or misleading representations ( Boasting Accuracy- Reporting Inaccurate information )

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