Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I received an automated letter from XXXX in regards to an investigation for a dispute I submitted XX/XX/XXXX and I received a letter from Experian for the same account on XX/XX/XXXX for The account " XXXX XXXX XXXX XXXX '' account # XXXX which is showing on my credit profile ( s ) as a prior charge off and a paid in full account. 

As stated in both my Certified letter as well as my original CFPB complaint. This creditor listed should no longer be listed on my credit report for the following reasons : 1 ) This creditor is WELL PAST the statute of limitations in which the account was open and held in which is in the state of Nevada. In Nevada the LAW states that the Nevada Statute of Limitations is 4 years and no longer. XXXX and Experian have made it a POINT to indulge and participate in " Unfair Business Practice '' by clearly knowing this information and being notified of this information multiple times and still choosing to undermine the law and keep this file on my credit report even though it's past the Statue of Limitations.

2 ). Under FCRA 15U.S.C. 1681p Transunion and Experian has failed AGAIN with obliging with FCRA LAW 3. ) XXXX and Experian have now " verified and updated '' this account multiple times meaning that the information they publish on my credit report is INCORRECT, because by fact and knowledge if record was initially correct then there would not be a need to " update '' information. Also attached you will find copies of both credit reports showing different information for this account! One states that this account was only open for 1 month and XXXX is showing from XXXX which proves Verification from Both parties is fraudulent and information is clearly incorrect. Please note that by partaking in this corrupt business tactic, XXXX and Experian have ALSO breached FCRA 15U.S.C. 623 which states : A furnisher of information ( XXXXExperian ) must NOT furnish inaccurate consumer information. So Both Creditor ( XXXX XXXX and XXXX ( XXXXExperian ) have deliberately obliged in Unfair Business Practice and Trade. 

I also requested NUMEROUS amounts of time a COPY OF THE METHOD OF VERIFICATION AS WELL AS A COPY OF " VERIFICATION '' ( Meaning a hard copy of contracts with WET signature or any documents proving and showing that this account is correct, in which I HAVE NOT AND NEVER RECEIVED ). 

With this information being on my credit report and remaining it has now caused me a great deal of LOSS and Emotional stress and damage. I am sending this complaint in as FINAL record of my consumer right to take the necessary steps to get this discrepancy and incorrect information off of my Credit report and getting it properly resolved, prior to forwarding this ongoing issue to the Attorney General 's office.

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