Consumer complaint received 2024-04-02 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: IL

Complaint narrative:
I have spoken with several Experian representatives in customer service, the fraud department and escalations regarding the negative and harmful items being reported on my credit report controlled by their agency. 

On XXXX I called Experian for the 3rd time requesting that 3 accounts XXXX XXXX XXXX are reporting be removed from my credit report. The representative told me they would not remove anything from my report and they could only dispute the items and allow the company to respond. I told them I've already disputed these items in the past and their investigation took less than 3 days before reporting the debt as valid. Experian has repeatedly not taken appropriate steps to validate debt disputed by consumers. Their investigations are done within a week in comparison to other credit agencies which take almost 30 days to thoroughly and accurately look into the consumers dispute. 

On XXXX I gave the Experian rep the reasons notated below for removal. Although this is MY credit report and I shouldn't have to list out any reasons at all, I still provided these point : 1. Under the Privacy Law of 1974 and under the Opt Out Law, any authorization that the debt collector believes they have, they no longer have and the items I'm requesting needs to be removed. These need to be removed according to the law within 4 days. 

2. Charge offs are income. Congress says no income can be reported on your consumer credit reports.15 U.S. Code 1681 ( 2 ) ( a ) ( i ) no transaction or experiences can be reported. Income is transaction and experience. Once the original creditor charges off the debt, they have forfeited all their rights to collect the debt from me 3.FCRA 1681c ( a ) ( 4 ) no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

4.The statute of limitations for Texas state law says that any debt older than 3 years in considered zombie debt. These debts are 5 years old. Experian has an article published on their website dated XXXX XXXX XXXX entitled " What is Zombie Debt '' recognizing zombie debt and how harmful it can be to a consumers life. This article discusses option to handle Debts that exceeded their statute of limitations ( the period in which you can be sued for the total debt ). XXXX XXXX has sold one of my debts to XXXX XXXX XXXX XXXX XXXX  and refuses to speak with me about the debt and says I have to contact the attorney to get more information. 

5. 15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Experian has already been sued for violation 15 USC 1681e ( b ) compliance procedures accuracy of reporting. According with the law my consumer report shall be prepared with MAXIMUM ACCURACY. 

REMEDY : Experian needs to remove ALL CHARGE OFFS and pay the maximum fine for violations.

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