Consumer complaint received 2024-09-26 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:
This is the 4TH attempt disputing this inaccurate and damaging information that Experian has constantly allowed to stay on my credit report. This account, XXXX XXXX  XXXX, was closed and charged off in XX/XX/XXXX. Since then, it has reported the account as charged off for 22 consecutive months with the most recent being XX/XX/XXXX. This account also has multiple inaccurate payments reporting. 

This account was also sold to a debt collector, XXXX XXXX XXXX, who has contacted me in an attempt to collect the debt. By law, when accounts are sold and transferred, the creditor must report a current balance of {$0.00} and charge off status until the month and year the account is sold, and reports " purchased by another lender '' or something similar. Yet, this account is reflecting a balance of {$1200.00}. They have also failed to notate that the account was sold to a debt collector. And they have also failed to stop reporting the charge off status AFTER it was sold. 

The first time this debt collector contacted me was in XXXX of XXXX, so how is it that in XXXX of XXXX, this account is still being reported as charged off and having a balance. They also fail to list the date of first delinquency. 

Continuously reporting a charge off and inaccurate payment information has a derogatory impact on my credit score and this type of reporting has been adversely impacting me when potential lenders are making credit decisions regarding their willingness to extend credit. 

Below, you will also see the details of the multiple inaccurate payments being reported : XX/XX/XXXX : Experian is reporting 30 days past due, yet my other credit reports report current. 

XX/XX/XXXX : Experian is reporting 60 days past due, yet my other credit reports report only 30 days past due. 

XX/XX/XXXX : Experian is reporting 30 days past due, yet my other credit reports report current. 

XX/XX/XXXX : Experian is reporting 60 days past due, yet my other credit reports report only 30 days past due. 

XX/XX/XXXX : Experian is reporting 90 days past due, yet my other credit reports report only 60 days past due. 

XX/XX/XXXX : Experian is reporting 120 days past due, yet my other credit reports report only 90 days past due. 

XX/XX/XXXX : Experian is reporting 30 days past due, yet my other credit reports report as current. 

XX/XX/XXXX : Experian is reporting 60 days past due, yet my other credit reports report only 30 days past due. 

XX/XX/XXXX : Experian is reporting 30 days past due, yet my other credit reports report current. 

XX/XX/XXXX : Experian is reporting 60 days past due, yet my other credit reports report only 30 days past due. 

XX/XX/XXXX : Experian is reporting 30 days past due, yet my other credit reports report current. 

I have attached photos from my other credit reports showing the erroneous discrepancies in payment history. 

This account has been disputed multiple times and both Experian and XXXX have continuously allowed this negative and inaccurate information to remain. The lack of investigation is unreasonable. And according to FCRA, 15 U.S. Code 1681 ( 5a ) : 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And FCRA, 15 U.S. Code 1681s2 ( B ) states, A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

So, since both Experian and XXXX have failed in their multiple investigations to update my information to report accurately, my rights have been violated over and over again! I am demanding a deletion of the account : 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