Consumer complaint received 2024-08-31 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: WA

Complaint narrative:
I have an Involuntary Repossession that was, until recently, listed with XXXX, Experian, and XXXX.XXXX  is the only Credit Reporting Agency that accurately removed the listing when 7 years had elapsed, as required by the FDCPA. 

BRIEF : The creditor is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX The initial date of significant delinquency/opened date is listed on Experian and XXXX as XXXX XX/XX/XXXX. This date aligns to 120 days after the involuntary repossession. 
The creditor supplied XXXX with a different date of XXXX XXXX as the " XXXX date of delinquency '' as listed in my credit report. This is information is inaccurate. 
XXXX refuses to acknowledge the documentation as provided to other credit reporting agencies. XXXX has refused to address my follow up concerns. 

This date is 7 years in the past, and exceeds the maximum duration for a contractual debt to be listed on the credit report. 

DETAIL : On XX/XX/XXXX, I submitted a dispute against this with XXXX. XXXX removed this the same date from my credit report as it exceeds the 7 years that this debt can be reported. 

On XX/XX/XXXX, I submitted a dispute against this with Experian. Experian refused to remove this from my credit report. The Experian Credit Report lists the " opened date '' as XX/XX/XXXX and the payment history lists Repossession in XX/XX/XXXX, which is not accurate - refused to remove the listing from my credit account on XX/XX/XXXX, indicating the account will remain open until XX/XX/XXXX. 
I submitted the information excerpted from the Experian Credit Report to Experian itself, indicating this was over 7 years ago. This apparently was not reviewed as part of my dispute. 
This obviously exceeds the maximum duration for a contractual debt to be reported to a credit bureau per FDCPA, per the Experian Credit Report, and they refuse to adhere to their obligation to remove this from my report. 

On XX/XX/XXXX, I submitted a dispute against this with XXXX. XXXX refused to remove this from my credit report. The XXXX Credit Report lists the Date of First Delinquency as XX/XX/XXXX. This is not accurate compared to the information provided by the creditor to other Credit Reporting Agencies. I submitted the documentation indicating both Experian and XXXX show a different Date of First Delinquency as part of my dispute. After the dispute was refused, I attempted to communicate with XXXX at the phone number listed on the Dispute Results form they provided ( XXXX ) XXXX. There was no option, after attempting every option in the phone system, to communicate about a dispute. 

The action I wish to see is that XXXX and Experian accurately and appropriately remove the subject credit report from my credit reports. 

I would also like to see CFPB take further action to ensure that these Credit Reporting Agencies more appropriately adhere to the Fair Debt Collection Practices Act, and when they don't, they receive fines that impact them strongly enough that they are not incentivized to consider them " the cost of doing business ''. 

Likewise, the CFPB must take action when creditors report inaccurate information, they need to receive fines that impact them strongly enough that they are not incentivized to consider them " the cost of doing business ''. 

These actions by both the Credit Reporting Agencies listed and the Creditor listed should be considered fraud, and have further damages than {$1000.00} under the FDCPA.

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