Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon review of my most recent consumer report profiles as of XXXX on Experian, XXXX and XXXX, I XXXX XXXX have noticed numerous inaccuracies concerning a XXXX XXXX XXXX  account dated XXXX with a Charge Off amount of {$4200.00}. Firstly, Experian currently reports the Date of Last Payment for XX/XX/XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX on XXXX. The reported date ranges for the Charged Off ( CO ) goes from XX/XX/XXXX to XX/XX/XXXX on Experian, XX/XX/XXXX to XX/XX/XXXX on XXXX and XX/XX/XXXX to XX/XX/XXXX on XXXX. The Charge Off ( CO ) should only be reported once on each credit profile. The continuous monthly reporting of this Charge Off violates my statute of limitation. It automatically adds an additional four years on Experian and XXXX and five years on XXXX to the date the Charge Off ( CO ) reporting expires on each credit profile. 
These inaccuracies violate numerous provisions of the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681e ( b ) : Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681i ( a ) ( 1 ) ( A ) : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 USC 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 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. This negligent reporting from Experian, XXXX and XXXX have undermined the banking enterprise and for years have caused my family and myself pain, harm, duress and a loss of numerous financial and life changing opportunities. I was greatly disadvantaged, discriminated and denied my right to credit as a result from these inaccurate reports. In doing so, I would like this Charge Off from XXXX XXXX XXXXXXXX of {$4200.00} to be removed from my credit profile on Experian, XXXX and XXXX. Thanks for your cooperation. Without Recourse - XXXX XXXX.