Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: MD
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$940.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 

XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Otherwise remove immediately. 

XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. If not, remove from my Credit file. 

XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Otherwise remove from my Credit File. 

XXXX XXXX XXXX : {$0.00} - Never late on this account. Records reflect 120 late without a preceding 30 or 60 days mark. This is a massive error. Investigate all records and verify all details are truly accurate including address name spelling etc. Please remove all negative marks or remove from my Credit Report. 

XXXX XXXX XXXX : {$0.00} - There are many inaccuracies with this account. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of XXXX! Provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Have this erroneous account removed from my Credit file. 


XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Otherwise remove immediately. 

XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. If not, remove from my Credit file. 

XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Otherwise remove from my Credit File. 

XXXX XXXX XXXX : {$0.00} - Never late on this account. Records reflect XXXX late without a preceding XXXX or 60 days mark. This is a massive error. Investigate all records and verify all details are truly accurate including address name spelling etc. Please remove all negative marks or remove from my Credit Report. 

XXXX XXXX XXXX : {$0.00} - There are many inaccuracies with this account. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of XXXX Provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Have this erroneous account removed from my Credit file. 

XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look at how this account reports and immediately adjust all lates to reflect the correct status. If not, remove right away. 

XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. Remove from my credit report if not. 

XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. Despite the fact that an account with a status of 120 days past due is already a charge off account under the Federal Reserve and Federal Insurance Act, you continued to indicate that it was 120 days past due for consecutive months. I want a complete investigation and that an update be given legally and accurately. Remove off my credit file if not. 

XXXX XXXX XXXX : {$0.00} - Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please expunge my credit report of all negative information. 

XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away. 

XXXX XXXX XXXX : {$0.00} - Since they have previously been paid for, this account shouldn't be showing the present status of 120 days late. It would appear impossible for late fees to be accumulated on a paid-in-full account. Correct this account immediately or remove from my Credit file! 

XXXX XXXX XXXX : {$0.00} - Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please expunge my credit report of all negative information. 

XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account was paid through my bankruptcy. Continued reporting is classified as a Discharge Violation of the Automatic Stay by Order of federal court. Remove immediately. 

XXXX XXXX XXXX XXXX Balance : {$0.00} - This account has been transferred and this company no longer owns it, can they report this information? Answer is : No. This account was also included in bankruptcy and they can not claim I owe them this or any other amount. You need to correct the current status to say : Included in Bankruptcy and remove all the negative information immediately. 

XXXX XXXX XXXX Balance : {$800.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.

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