Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
I have investigated my credit report ( File Number : XXXX, Date Created : XX/XX/XXXX ) after my last complaint with Experian Company . 

I found items on there to be inaccurate. Under " 15 U.S. Code 1681e ( b ) 'Accuracy of Report ' '' essentially states that whenever a consumer reporting agency prepares a consumer report, they must follow reasonable procedures to ensure the maximum possible accuracy of the information included about the individual ; Purpose : To require credit reporting agencies ( CRAs ) to implement reasonable procedures to guarantee the accuracy of consumer reports they generate. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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. Please remove the following items from my credit report immediately. In XXXX ( XXXX years ago ), I lost my job that can explain the reason for the late and missed payments on my accounts listed below for the year XXXX : Accurate reporting of the date of first delinquency is essential to ensure that consumers are not penalized with negative credit reporting for longer than the seven-year period allowed by the FCRA. 

Importance of Accuracy : The date of first delinquency is crucial because it dictates the seven-year window for negative information to remain on a credit report, according to the FCRA My credit report is still inaccurate or missing data in Payment History and not in compliance with 15 U.S. Code 1681i. Please see supporting documents ( attachments ). 

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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. 

The reporting for my account listed below is not accurate and it is not in compliance with 15 U.S. Code 1681i. 

Account with inaccurate data or missing data in payment history. Those errors are impacting the date of 1st delinquency. Please investigate it or delete it. 

1- XXXX  XXXX XXXX - Payment History : missing data for XXXX, and the data reported for XXXX is not accurate data, the account was closed in XXXXPlease see the supporting document ( XXXX  XXXX Letter ) stating the account was having " past due amounts '' on XXXX XXXX. 
- This account was closed on XX/XX/XXXX by XXXX XXXX, after account status being " past due '' in XXXX. After the closing date ( XXXX ), the account has not been brought current again. The reporting in my Experian Credit Report is not accurate. Please see the supporting document ( copy of my credit report pages XX/XX/XXXX and XX/XX/XXXX ). 
- Closed Date : There is missing a closing date for this account in my credit report that could explain the error in Payment History ( Please see the XXXX XXXX  Letter )..

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