Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I have a RECURRING ISSUE with Experian refusing to correct their records and reporting to on a house that was sold, Mortgage PAID IN FULL NEVER LATE. I have repeatedly provided XXXX BANK and Experian documentation that supports my claim to include a pay -off statement and cash checks payable to XXXX Bank.. Despite numerous investigations launched by the credit reporting agencies it has been verified by XXXX Bank as a a valid debt is still owed with an outstanding balance of {$37.00}, XXXX. Most recently by Experian qoute : '' Dear XXXX XXXX, & gt ; & gt ; We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original source regarding this item. Historical account information was deleted from this account. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX, XXXX PA XXXX Phone : ( XXXX ) XXXX I have included the Cash Checks for that account, The ( HUD 1 ) showing the payment and the payoff letter for XXXX indicating the balance and the account number. I have repeatedly disputed this matter and remains on my credit report despite no evidence to the contrary of the attached submitted document. As you can see from the attached credit reporting this account has PAID, CHARGE OFF, FORECLOSURE PROCESS STARTED, BAD DEBT. Balances of XXXX, XXXX, {$42000.00}, {$40000.00}, {$36000.00}. XXXX Bank XXXX is clearly misrepresentation of the legal status of this alleged debt and refuse to correct the record. The number listed by XXXX qoute : " If you have additional questions about this item please contact Phone : ( XXXX ) XXXX. '' That number is a general number and they have no record of this account. They are in clear violation of 15 USC 1692e 807. : False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt. XXXX Bank XXXX and XXXX was supplied with all of the attached documents and this item remains as a reported debt owed with a balance owed of {$37000.00} with NO EVIDENCE to the Contrary. XXXX Bank and XXXX XXXX in clear violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Re-investigations of disputed information ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's 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. 
( 3 ) Determination that dispute is frivolous or irrelevant ( B ) Notice of determination ( C ) Contents of notice ( 5 ) Treatment of inaccurate or unverifiable information making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Contents of notice A notice under subparagraph ( B ) shall include -- ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information