Consumer complaint received 2016-02-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In answer to your report # XXXX. I have provided a letter from the credit granter on more than one occasion, but you have refused to abide what has been proven by the letter from the Office of the President XXXX, which states very clearly the last payment posted to this account was XXXX XXXX, and the account closed XXXX XXXX, XXXX. 

Yes I did go through bankruptcy but I did not include XXXX in that bankruptcy because the account had been paid in full prior to the filing of said bankruptcy. As it is clearly stated in the letter from XXXX, they closed the account as a matter of corporate policy on XXXX XXXX. There was no bankruptcy related dismissal or charge-off, XXXX followed their policy whenever a bankruptcy is filed, they close any accounts held by XXXX for that creditor. 

Contained within the letter from XXXX is all the information you make reference to in your letter/report # XXXX. I will supply a copy of the last invoice ever recorded by XXXX which shows a XXXX balance. Because there was no activity on that account until XXXX closed it XXXX XXXX. 

If you are getting information other than what I have provided from the credit provider, I require you provide me with who precisely was your source and provided you that information. I have given you my source who IS the credit provider themself. 

Included are copies of reports with proof that what you are reporting is incorrect. All came from both you or you " on line ''. 

It appears that every month you change the closed date when the only one that is true is XXXX XXXX you can not change the closed date every month on a whim. 

I am not disputing this account is mine. I am only disputing the extended time you have added to an account that has been closed since XXXX XXXX so scheduled deletion is XXXX XXXX not XXXX as you are reporting. 

What you are reporting is incorrect and I require any and all documentation you have to substantiate your claim you are reporting correctly. 

During this whole process in the past, you have been very helpful. The only one thing that remains to be cleared up is this one. I do n't know where you get your information but, you know where I got mine, directly from the Office of the President for XXXX XXXX XXXX XXXX XXXX ( XXXX ) Listed below are several reports from you proving that you do not know what what you are doing! Every month since XXXX XXXX, you have changed the CLS ( Closed ) date. Because of you and your consistent errors in your reporting, this account will NEVER be deleted from my credit report. ( Please note the dates! ). As I understand, once an account is CLS ( Closed ), it is closed. It can not be closed each and every month, after month, after month, etc. 

Look as I said before, all I am looking for is for you to correct this back to the original CLS ( Closed ) date of XXXX XXXX. The proof is in the letter from the Office of the President dated XXXX XXXX, XXXX. 

Your report date Your report number Indicated CLS ( Closed ) date XXXX XXXX, XXXX XXXX XXXX XXXX ( Correct ) XXXX XXXX. XXXX XXXX XXXX XXXX ( Incorrect ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Still incorrect ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Still incorrect ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Still incorrect ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Sill incorrect ) I suggest you review your reports listed above and review your investigation methods and reporting policies.

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