Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Complaint:
On XX/XX/XXXX I defaulted on my car loan. I was never able to bring the account current after that and after many late payments reported to my credit report, this account was marked as " Charged off '' on XX/XX/XXXX. This account with XXXXXXXX XXXX XXXX  was always reporting as " Date of First Delinquency '' as XX/XX/XXXX on all three major credit bureaus ( XXXX, Experian XXXX XXXX ) until XX/XX/XXXX. 

On XX/XX/XXXX, I submitted a dispute with XXXX requesting this account to be deleted due to it being close to 7 years since the first delinquency date. XXXX honored this request and the account was removed from my XXXX credit report. 

XXXX, after this XXXX dispute, updated both XXXX and Experian report to show " First Delinquency Date '' as XX/XX/XXXX, however they still show that my last payment ever made to the account was in XXXX. How did I first became delinquent in XXXX when I made a last payment in XXXX? 

The 7 year mark for this account to fall off my credit report is supposed to be from the date that I first became delinquent and that the account was never brought current, which is XX/XX/XXXX. 

I disputed this issue with both XXXX and Experian asking them to investigate and correct this date and also provided them with records and proof that the date of first delinquency was incorrect on my report. They both completed their dispute with no updates to this date. 

I believe that XXXX XXXX XXXX is trying to unlawfully extend the time that this account stays on my credit report and that XXXX and Experian is not investigating my dispute correctly. 

I contacted XXXXXXXX XXXX XXXX XX/XX/XXXX and requested a history of all the payments on my account and sure enough it shows that I started missing payments in XX/XX/XXXX. I also requested for them to investigate and update the credit bureaus with the corrected date and they sent me back a letter stating that the date of XX/XX/XXXX is the correct date for the first time I became delinquent. I tried explaining to them that this is not possible because the account was marked as charged off in XX/XX/XXXX. 

I have attached to this complaint the following documents : - XXXX Credit Report from XX/XX/XXXX showing date of first delinquency as XX/XX/XXXX ( this was before the bank changed the date ) ( refer to page XXXX of full report ) - Screenshot of XXXX account showing that the date of first delinquency is XX/XX/XXXX. 
- Screenshot of XXXX payment history under this account which shows that I started missing payments since XX/XX/XXXX. 
- XXXX submitted to XXXX when this information was disputed. 
- Payment history document received from XXXX XXXX in XX/XX/XXXX - Letter with response from XXXXXXXX XXXX stating this date is correct even after I sent them all the documents that prove otherwise. 
- Dispute results from XXXX stating that the information on my credit report was correct.

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