Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My issue is with the XXXX headquartered at XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX ( from her on referred to as Credit Union ). The Credit Union has continually reported negative information to the credit Bureaus regarding my account. As you can see by my attached documents and from credit report from Experian according to them, I have a negative entry, a judgement from the Credit Union. I have disputed that entry at least ( 3 ) times with Experian and each time I get the same answer, the Results, " REMAIN ''. The account has been " CHARGED OFF/NEVER LATE '' and then they conveniently find {$0.00} in my account over 7 years later! At the very least, they are in my opinion, guilty of XXXX poor bookkeeping and their accounting practices are suspect and should come under Federal Banking scrutiny. The original account opened around XX/XX/XXXX and was in good standing until sometime in the XXXX 's. I was unable to continue payments. I had tried to make arrangements but they were rejected by the Credit Union as not good enough. I had to help pay my divorced and ailing elderly parents expenses as well as my own. At any rate, the account was eventually charged off during the XXXX 's. If you check, you will see the Credit Union does not list an exact date for the start of this delinquency on purpose. The beginning date of delinquency can not be found, anywhere that I can find. However and at any rate, the seven years for which an account by law must be removed from a person 's credit report has long since passed, twice. What is happening to my credit report and to me personally is only as a punishment. It has interfered with my obtaining credit for those companies using Experian as a verification agency and it has kept me from certain benefits from other companies that I already have accounts with ( i.e. ; insurance cost, purchases etc. ). The Credit Union continually updates my account to look as though my account has been up to date, active and in good standing each month of each year. This makes the account appear to be active on my credit report. I have not/could not use this account since it was written off in the XXXX 's. I have no contact with the Credit Union nor have I used these accounts since being written off in the XXXX 's. The only activity on this account is the Credit Union making it appear to be active. Evidently, they are falsifying entries so it appears that I am doing something with or to the account, which I am not. On my Experian report it states that ( STATUS-as of XX/XX/XXXX account chargedoff/Neverlater {$8600.00} Written off. Then it states- {$9200.00} past due as of XX/XX/XXXX. This account is scheduled to continue on record until XX/XX/XXXX )! Also, please note that since I filed a complaint the Credit Union has now filed a Judgement in the courts ( with no date ) as additional punishment further damaging my reputation and credit standing.

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 non-monetary relief