Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate. 

XXXX XXXX XXXX : $ XXXX 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 eliminate all red marks. 

XXXX XXXX XXXX : {$4800.00} - Don't ever pay late. The data show that payments were 90 and 120 days late without a 30-day lead time. This is a serious mistake. Examine each record in detail. Make sure all information is accurate, including address, spelling, DOB, SSN, and other details. Delete any mistakes. 

XXXX XXXX XXXX : {$9500.00} - Always on time on this account. Records show 120 late without a 30 or 60 day before 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 eliminate all red markings. 

XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away. 

XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I demand a complete investigation and that an update be made legally and accurately. If unable to verify, remove otherwise. 

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, then remove right away. 

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 into how this account reports and update any outdated information right away to reflect the current status. Regards. 

XXXX XXXX XXXX : {$0.00} - This only serves to highlight your poor record-keeping skills. Although it is closed and the balance is {$0.00}, this item is currently 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, remove it right away. 

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. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was action on the account last. Remove off my Credit Report if not. 

XXXX XXXX Balance : {$0.00} - I'm not running behind on this. According to my records, this account was paid as agreed and the amount past due is XXXX. Please take out right away. 

XXXX XXXX XXXX : {$0.00} - Since they have already been paid for, this account shouldn't be showing the current status of 120 days late. It would seem impossible for late fees to be accumulated on a paid-in-full account. Take this negative information out of my credit report. 

XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I want a full inquiry and the total deletion of this account from my credit report. Regards. 

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. Remove this account from my credit report right away. 

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 into how this account is reported ; if not, remove it from my credit report. Regards. 

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. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. If not, delete right away. 

XXXX XXXX XXXX : {$0.00} - This only serves to highlight your poor record-keeping skills. Although it is closed and the amount is {$0.00}, this item is now 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it 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. Remove this negative information from my credit report. I'm grateful.

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