Consumer complaint received 2017-01-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
== Summary : There is a collection ( " U.S. DEPARTMENT OF EDUCATION '' acct # XXXX ) on my Experian credit report that is missing the " FCRA Compliance Date/Date of First Delinquency ''. This is in violation of FCRA 623 ( a ) ( 5 ). I have disputed this with Experian who investigated but did not correct the violation. 

== Details : 1. XX/XX/XXXX I pulled my Experian credit report from annualcreditreport.com. The item " U.S. DEPARTMENT OF EDUCATION '' acct # XXXX is properly reported as a collection but it is missing the " Date of First Delinquency ''. Experian reports normally show DoFD 's for collections by reporting a drop date in their " Status Details '' field. There will normally be an entry in this field that will report " This acct is scheduled to continue on record until ... ''. There is no " Status Details '' field for the acct " U.S. DEPARTMENT OF EDUCATION '' acct # XXXX. This is a result of the violation of FCRA 623 ( a ) XXXX XXXX ). 
Attachments : XXXX ( see acct in question on page XXXX ) 2. XX/XX/XXXX I called Experian ( XXXX ) to get more information related to this problem. I spoke to a first line person and a supervisor. Neither could tell me what the " Date of First Delinquency '' was for acct " U.S. DEPARTMENT OF EDUCATION '' acct # XXXX. 

3. XX/XX/XXXX I called the US Department of Education ( XXXX ) to determine what their records show for the " Date of First Delinquency ''. They said they did not have the " Date of First Delinquency '' because the loan was originally with XXXX XXXX XXXX. They said they would normally go to their " archives '' to retrieve the " Date of First Delinquency '' but that XXXX XXXX XXXX was closed XX/XX/XXXX and they did not know how to retrieve that information. 

4. XX/XX/XXXX I filed a request with Experian by certified mail for my consumer disclosure file under FCRA 609 ( a ) ( 1 ) and asked that they provide me with the " Date of First Delinquency '' ( DoFD ) for acct " U.S. DEPARTMENT OF EDUCATION '' acct # XXXX. 
Attachments : XXXX 5. XX/XX/XXXX I received a mail response from Experian to my consumer disclosure file request for the " Date of First Delinquency '' for the acct. Experian only sent me another copy of my credit report. This was not what I asked for. This was a non-response to my specific FCRA 609 ( a ) ( 1 ) request. 
Attachments : XXXX 6. XX/XX/XXXX I filed a formal dispute with Experian by certified mail that the collection acct " U.S. DEPARTMENT OF EDUCATION '' acct # XXXX is missing the required " Date of First Delinquency '' ( DoFD ). I supplied in my dispute corroborating information that the actual " Date of First Delinquency '' is XX/XX/XXXX. I cited that this collection acct is in violation of FCRA 623 ( a ) ( 5 ). I explained in my dispute that the acct shows " First reported '' as " XX/XX/XXXX ''. I further explained that is the " XXXX XXXX XXXX First Reported ''. This field is NOT the same as the " Date of First Delinquency '' ( DoFD ). " First reported '' is the date that the loan consolidation came into default. The DoFD is earlier than that. The DoFD is " XX/XX/XXXX ''. I explained in my dispute that this acct should have " Status Details : This acct is scheduled to continue on record until XX/XX/XXXX. '' but does not. 
Attachments : XXXX 7. XX/XX/XXXX I received a mail response from Experian to my dispute on the missing " Date of First Delinquency '' for the acct. The response included an updated credit report with some edits to the acct but still missing the disputed information. Then the response had contact information for the " U.S. DEPARTMENT OF EDUCATION ''. Presumably I am supposed to contact the collection agency ( which I already did ) and correct the problem myself. In other words I should do their job for them. 
Attachments : XXXX

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