Consumer complaint received 2021-03-20
Company: Experian Information Solutions Inc.
State: NV
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:
To whom it may concern, I am writing this letter to inform the Consumer Financial Protection Bureau of a repeated violation of my right under the Fair Credit Reporting Act and the laws which is governed by both the State of Nevada and the Federal government with regards to both a previous and current credit dispute. Experian submitted a previous credit dispute on my behalf asking the creditor also known as XXXX  XXXX XXXX  XXXX XXXX ( Account # XXXX ) for inaccuracies which the account was recently investigated and deemed accurate as of XX/XX/XXXX. However after reviewing Experian 's recent account update discovered errors and inconsistences which failed to correct, these errors has been reporting on my Experian credit file for many years and continue to cause harm to my credit file/ credit score on a month by month basis. There are numerous errors which started back in XX/XX/XXXX which has continued until this present day whereas Experian has consistently updated and reported the account charge off status on a monthly basis on my Experian credit file. A charge off can only take place once when an account is reported as closed, no further charges can accrue since the account is no longer active ; however, in my situation {$1300.00} was written off by XXXX XXXX XXXX  XXXX XXXX on XXXX ; however, even after a recent dispute dated XX/XX/XXXX, Experian is still reporting on a closed charged off account that {$1500.00} is past due as of XX/XX/XXXX when the original charge off took place on XX/XX/XXXX. I have attached a portion of my Experian credit file for reference key points I have circled and highlighted for easier reference. As you can see by the attached document, the account was charged off/closed on XX/XX/XXXX ; however, from XX/XX/XXXX to the present day Experian has updated my credit file each month with a new charge off entry which is makes it impossible for me to improve my credit score and credit history. These inaccuracy continues to further damage my consumer credit file on a month by month and year by year basis. Experian has had plenty of opportunities to correct these inaccuracies over the course of over 3 years but continue to this report this account in error and as a result has caused me several years of harm by ensuring that my credit score and credit report remains unchangeable. This practice is not only immoral but illegal as outlined by Fair Credit Reporting Act. With blatant disregard to the rule of law Experian continues to submit false and inaccurate information/data into my consumer credit file having indicated that the dispute was resolved and accurate. Recently, I have asked Experian to " DELETE '' this account from of my credit file but they have ignored my request and launch a reinvestigation which was completed on XX/XX/XXXX. Experian is currently in violation of the Fair Credit Reporting Act which is governed by Federal law and the laws of State of Nevada. Given the numerous errors in my credit reporting pertaining to this matter. I ask that this account " XXXX XXXX XXXX  XXXX XXXX ( Account # XXXX ) '' be DELETED/REMOVED from my Experian consumer credit file promptly.

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