Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed this account in XX/XX/XXXX, but it has not been corrected. The account status still does not reflect that the account is actively under a payment arrangement and that I am in compliance with the agreement. I am attaching a copy of the payment agreement with this letter. The payment history should reflect the payments that I am making and have made in the past all these years. Since XX/XX/XXXX, I have been making monthly payments of {$180.00} each month. I am also attaching copy of my last 6 payments from the payment dashboard. Despite all these payments, the payment history section lists only Charge Off each month. And nowhere else in the file are there any indication that payments are actively being made. Also, the negative activity on this account occurred a very long time ago but Experian is not reporting the Date of First Delinquency. Negative information must be removed once it becomes XXXX years old and the 7-year period is determined by the Date of First Delinquency. So, it is very important that Experian report that date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account status for this debt is inaccurate or, at a minimum, it is misleading. Experian is reporting that {$11000.00} was written off. But that was before I paid the debt. I entered into a payment that entailed monthly payments over a number of years and satisfaction of full amount owed. The payment agreement is attached. Pursuant to the enclosed payment agreement, I made payments of {$340.00} each month from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  But none of my payments are reported in the payment history section. There is no indication whatsoever that over all these years I have been paying on this account pursuant to a payment agreement. Also, the negative activity on this account is very old but the Date of First Delinquency is not reporting. Negative information must be removed once it becomes 7 years old and the 7-year period is determined by the Date of First Delinquency. So, it is very important that Experian report that date. 

XXXX XXXX XXXX XXXX XXXX disputed this account in XX/XX/XXXX, but it has not been corrected. The account status still does not reflect that the account is actively under a payment arrangement and that I am in compliance with the agreement. I am attaching a copy of the payment agreement with this letter. The payment history should reflect the payments that I am making and have made in the past all these years. Since XX/XX/XXXX, I have been making monthly payments of {$75.00} each and every month. None of those payments are showing up anywhere on my report. Also, the negative activity on this account occurred a very long time ago but Experian is not reporting the Date of First Delinquency. Negative information must be removed once it becomes 7 years old and the 7-year period is determined by the Date of First Delinquency. So, it is very important that Experian report that date. 

XXXX I disputed this account in XX/XX/XXXX and several changes have been made. There is one change that should have occurred but did not occur. The account was not 120 days late in XX/XX/XXXX. Please change the account to current for XX/XX/XXXX. Also, the negative payment history is or is approaching 7 years old. But the Date of First Delinquency is not reported. The negative information needs to be removed or the Date of First Delinquency must be reported. 

XXXX XXXX I disputed this account in XX/XX/XXXX and several changes have been made to correct the payment history. The negative payment history on this account is very old and approaching 7 years. But the Date of First Delinquency is not reported. The negative information needs to be removed, or the Date of First Delinquency must be reported. 

XXXXXXXX XXXX I disputed this account in XX/XX/XXXX and no corrections were made. Experian is still not reporting my payment in XX/XX/XXXX. And the negative payment history on this account is very old. The Date of First Delinquency needs to be reported. It has been nearly seven years since negative information was reported. Please report the date or just remove the account. 

XXXX I disputed this account in XX/XX/XXXX. Please provide me with a description of the investigation of this account. The tradeline lists two companies and I would like you to identify which company was contacted during the investigation. Also, the negative payment history on this account is very old. The Date of First Delinquency needs to be reported. It has been nearly seven years since negative information was reported. Please report the date or just remove the account. 

Address change : I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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