Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: AL
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: Their investigation did not fix an error on your report

Complaint:
I am filing this dispute against EXPERIAN for unfair and inaccurate credit reporting for an unvalidated All In FCU Charge Off/Other Derogatory account. I have made four attempts to resolve the matter with All In FCU and Experian. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on Experian : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from All In CU by certified mail and did not receive a response. I called to follow up and spoke to XXXX XXXX and was informed I would not receive a 1099. I am disputing payment history. This account date open is XX/XX/XXXX. That requires 5 years of payment history. This account is missing 37 months of that is required to make this account accurate and complete. Based on payment history is account does not reflect any payment history reporting from XXXX XXXX. Based on the reporting of this account it must be deleted based on FCRA Section 623 Responsibility of the furnisher of information to the Consumer Credit Reporting Agency Please delete the account the creditor is not reporting accurately on this account. The account is currently reflecting inaccurately each month to date as CO/Late payment and the account has been closed since XXXX. According to FCRA Section 623 the clause states that it is illegal for a closed/charge off account to report after the close date. Delinquent payments can only reflect on an open account. The account is a charge off and should not be reporting late and severely affecting my credit. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. They need to be held of violation of the consumer 's law.

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