Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: TN
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:
experian : i reported my XXXX XXXX XXXX  XXXX for validation or investigation by Experian several times. 

each time they reported back to me that the XXXX XXXX XXXX  XXXX was verified. 

the account was created in XX/XX/XXXX the XXXX XXXX XXXX XXXX was last reported on XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX experian XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX experian XX/XX/XXXX The date last active on my credit report says i paid on XX/XX/XXXX on XXXX and XX/XX/XXXX on experian. 

this means that with tennessee debt collection law i have 7 years before this falls off my credit report and since i cant get validation from XXXX  XXXX and credit bureau not doing correct investigation this will never come off my credit repport. 

XXXX XXXX XXXX re-aged my account to keep this on my credit report for additional years. 
it says the date of last payment was Date of Last Payment : XXXX XX/XX/XXXX experian XX/XX/XXXX. 
this means this will fall off my credit report in XXXX because i cant get in contact with them or the bureau 's. 
it then says the date i was last active was XXXX XXXX  experian XX/XX/XXXX this re-ages my account from year XXXX to year XXXX. 

the date of last reported is The " date last active '' on a credit report refers to the last time an account was used or had activity reported to the credit bureau. This date is important because it can help lenders and other creditors determine how recently you have used your credit and how active your credit accounts are. 

For example, if you have a credit card that you haven't used in several years, the " date last active '' on that account will be several years ago. On the other hand, if you have a credit card that you use regularly, the " date last active '' will be more recent. 

The " date last active '' is just one of several factors that creditors and lenders use to evaluate your creditworthiness. Other factors include your payment history, credit utilization, length of credit history, and the types of credit accounts you have. 

Last Reported : XXXX XXXX experian XX/XX/XXXX this date of last reported is re-aging as well because it makes the 7 year tennessee collection rule dropping off my credit report in XXXX on XXXX and XXXX on experian. 

Under the Fair Credit Reporting Act ( FCRA ), re-aging a credit account is illegal. Specifically, the FCRA requires that accurate information be reported on credit reports, and prohibits the intentional reporting of inaccurate information. If a credit account is re-aged, it may be considered inaccurate information and may be subject to legal action. 

Re-aging refers to changing the date of last activity on a credit account to make it appear more recent than it actually is. This practice is also sometimes called " resetting the clock '' or " flipping the date. '' Re-aging can be used to make an old delinquency appear more recent, which can negatively impact a person 's credit score and creditworthiness. Re-aging is often done by debt collectors or credit repair companies, who may try to convince a consumer to make a small payment on an old debt in order to restart the clock on the debt 's age.

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