Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent out a letter to Experian last month disputing an account called XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX. The collection agency was reporting a false Date of first delinquency ( DOFD ) to all three credit bureaus. For instance the collection agency reported XX/XX/XXXX as its Date of first delinquency. However, like I said in the letter, there was already a balance carried over from the past into the XXXX month. The date of first delinquency ( DOFD ) is the date when an account first became delinquent, meaning a payment was missed and not brought current. It's an important date because it determines how long negative information about a late payment will remain on a consumer 's credit report. Experian, the reason for your estimated date of removal ( XXXX of XXXX ) was ever calculated, was because you got a false date of delinquency from the collection agency. Your job in this dispute was to investigate, and find the correct date. You did not do your due diligence. The Fair Credit Reporting Act ( FCRA ) states that negative entries can only remain on a credit report for seven years from the DOFD. It's also used to ensure that consumers aren't penalized with negative credit reporting for longer than allowed by federal law. CFPB, these are the laws you are obligated to enforce and the credit bureaus must abide by. Section 605 ( a ) of the FCRA identifies categories of information that can not be included in a consumer report after a certain amount of time. This provision enables consumers to move beyond their past and rebuild their credit following a delinquency. The Date of First Delinquency provided by a furnisher must reflect the month and year on which the delinquency being reported commenced. 
When accurate, that date corresponds with the start of the time period that, once elapsed, precludes the delinquency from remaining on a consumer report under FCRA section 605 ( a ). A Date of First Delinquency that is more recent than the start of a delinquency may lead a report user to believe a consumer had financial difficulty more recently than is the case. Similarly, a Date of First Delinquency reflected on a report where a consumer is not in fact delinquent could cause a user to inaccurately believe that the consumer is delinquent. Since the real DOFD started before XX/XX/XXXX, which you can not argue as they took the luxury to give me documentation that goes literally against their claim. If you look carefully on the statement given to me, you see BALANCE AS OF XXXX {$2700.00} was allegedly owed. That means, there was delinquency way before XX/XX/XXXX. Experian was supposed to investigate where the {$2700.00} began out of the {$4200.00} XXXX XXXX XXXX is trying to pursue. is in violation of FCRA law.

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