Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very distressed that your agency continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports published. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

This account was allegedly charged off in XX/XX/2024. However XXXX is stating for the same month a OK payed status for the month of XXXX and XX/XX/2024. 
INACCURATE YOU MUST DELETE When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Your improper procedures are highly damaging to my credit score. 

This inaccurate account was sold to a third party company and not reflecting a XXXX ( XXXX ) balance which is a misrepresentation of the account status. 
INACCURATE YOU MUST DELETE Please review attached with third party information. 

Not only listing of aforementioned reasons this inaccurate account is reporting 100 percent inaccurate and reporting inconsistent balances across bureaus which includes : 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached documents of a side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents. 

I am demanding a permanent deletion of the following account : XXXXXXXX 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