Consumer complaint received 2016-06-04
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The creditor XXXX XXXX XXXX XXXX ( aka XXXX ) continues to incorrectly report an account on XXXX of my credit bureau reports ( Experian and XXXX ), even after multiple disputes to have them correct this for the last two years. This closed account is from a former automotive loan. The vehicle was repossessed in XXXX XXXX and went into charge-off status in XXXX XXXX. Further, the account will be 7 years of age since date of first deliquency in XXXX XXXX, and should be removed from my credit bureau reports already, if not soon. Over the last two years, I have spoken with several individuals at XXXX ( last month to a supervisor there ), and each time they agree that it is reporting incorrectly, and each have stated they would get it corrected. The supervisor has not responded to my voice mails for weeks now. 

Important Details : XXXX : I previously disputed this more than 2 years ago, and XXXX did not respond to my dispute, so it was deleted. Then, as of XX/XX/XXXX, it was reinserted, but instead of being closed with negative information it is now reporting " Open '' and " Pays account as agreed '' and shows no former negative account activity. Neither XXXX nor the creditor notified me of this reinsertion per the FCRA law ( which states they have 5 days to do such ). As of XXXX XXXX, XXXX, I have disputed this with XXXX based on that law, and XXXX has opened another investigation. I have attached XX/XX/XXXX reports direct from XXXX and also from XXXX showing that this account was not listed under my XXXX XXXX, as well as a XX/XX/XXXX report from XXXX showing it has been reinserted under XXXX. 

Experian : I have attached a XXXX XXXX report from Experian showing the account is " Open '', was late in XXXX XXXX, a repo in XXXX XXXX, and a CO ( charge-off ) in XXXX XXXX. You 'll also see on the same report that XXXX changed the dates on the CO to XXXX XXXX, then to XXXX XXXX, as well as reporting " OK '' many times over the years. This XXXX XXXX report shows " By XXXX XXXX, this account is scheduled to go to a positive status ''. I have also attached a XXXX XXXX report showing the payment history as completely different than the XXXX XXXX report. It shows COs of XXXX XXXX, XXXX XXXX, and XXXX XXXX, which do not match the same COs from the XXXX XXXX report, nor does it show the CO from XXXX XXXX, nor any of the XXXX account data as just discussed from the XXXX XXXX report. Each time an " OK '' or " CO '' is reported it changes the active status of the account and moves the date of positive status or deletion in the credit file to an additional plus approx. 7 years. This XXXX XXXX report shows " This account is scheduled to continue on record until XXXX XXXX. ", which is also different. 

XXXX : On my XXXX XXXX, XXXX XXXX report, you will see that this account is listed in my XXXX data. However, you will see in my the XXXX XXXX XXXX, XXXX report showing this account was deleted ( see the bottom of page XXXX of the report ). You will also see that it has not showed back up in my XXXX XXXX, XXXX XXXX report. I have also attached a XXXX XXXX report showing the same XXXX and XX/XX/XXXX proper account history data, which compares correctly to the Experian XXXX XXXX report. 

Summary : 1 : Experian : The data should only show that this account is closed and a charge-off, that it went 30 days late XX/XX/XXXX, an " R '' ( repossession ) in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and then a CO ( Charge-Off ) in XXXX XXXX. It will be 7 years from date of first deliquency as of next month, and should be fully removed no later than then, if not already, just like it has already been removed from my XXXX data. 

2 : XXXX : Per the FCRA, this account was illegally reinserted into my XXXX data, and should be promptly removed. 

3 : XXXX : This account was already removed from my XXXX data, so no further action there needs to be done.

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