Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XX/XX/2022 I wrote to experian in regards to account XXXX XXXX XXXX on my report. I specifically notated in the letter that they are not reporting the On Record Until date on my report and this information is required to report and should be included on any delinquent account according to the FCRA 15 U.S.C 1681c ( c ) ( 1 ). I've put experian on notice of this since XX/XX/2022. 

( 1 ) in general. the 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) SHALL begin, with respect to ANY DELIQUENT account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period BEGINNING on the DATE OF COMMENCEMTN of the deliquency which IMMEDITELY precede the collection activity 's charge to profit and loss, or similar action.

This item is showing as derogatory on my experian report therefore the removal date should be included on my report in regards to this item so I know when exactly the removal date for this item to report is. 

today XX/XX/2022 experian has prepared me with results updating this item. experian did not specify what information was updated and advised me to review my report for the details. on my after results experian has failed to modify the reason for my previous dispute and DID NOT include the on record until date once again. in fact my before and after results reflect the exact same. to my understanding experian should have contacted the company and asked for this specific information in order for the reinvestigation to be valid as I requested. there has been no indication that experian has reached out to this company and the date the company reported proves it. the last time this company has reported to experian is incomplete.

According to the FCRA again 15 u.s.c 1681i ( a ) ( 5 ) ( A ) ( i ) AFTER any information that was previously disputed with the CRA 's is found to be inaccurate, INCOMPLETE or can not be verified shall be promptly deleted or modified as appropriate based on the results of the reinvestigation. 

( A ) in general. if, AFTER ANY reinvestigation under parapgh ( 1 ) of ANY information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified, the consumer reporting agency SHALL ( i ) promptly DELETE that item of information from the file of the consumer, OR MODIFY that item of information, as appropriate, based on the results of the reinvestigation I've put Experian on notice of this incomplete fcra required information, I gave them a chance to cure this account and they failed to MODIFY and supply the required information as requested. 

I believe experian is doing illegal practices to prolong the reporting time frame in there dispute department and all this time in trying to dispute with them with there non fcra compliance is damaging my creditability. my interest rates are being based on this account reporting inaccurately and damaging my ability to get better rates that I am entitled to. I am very serious about my credit and this matter needs to be taking care of immediately before my next purchase is falsly rated when it comes to the interest rate. attached is my previous letter XX/XX/2022 putting them on notice for the removal date and there results reflecting my before and after reports in regards to there " investigation ''.

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