Consumer complaint received 2017-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I 've contacted all XXXX credit bureaus to remove 'Zombie Debt, per the Federal Law, the statute of limitations, 7 years, has elapsed on many of the accounts on XXXX of the XXXX bureaus is now ZOMBIE DEBT which under Federal law is illegal to report. Only Transunion removed the ZOMBIE DEBT, however equifax and experian have refused to follow the Federal law and remove the Zombie debt. 

The accounts that appear on both Equifax and Experian must be removed per Federal law. The ZOMBIE accounts are as follows : XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed XXXX Missed Payment {$6600.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Business Credit Card ( individual has primary responsibility ) Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$5000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$6600.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$6600.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Account closed by credit grantor Payment History Latest Status : Collection/Charge-Off XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX U U U U U U CO CO CO CO CO CO XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U XXXX CO Collection/Charge-Off U Unknown Credit Utilization* XXXX % See something wrong? 
You could dispute an error with XXXX. 
XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed XXXX Missed Payment {$6400.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Business Credit Card ( individual has primary responsibility ) Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$6400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$6400.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Account closed by credit grantor Payment History Latest Status : Collection/Charge-Off XX/XX/XXXX U U U U U U U U U U CO XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U XXXX U Unknown CO Collection/Charge-Off Credit Utilization* XXXX % See something wrong? 
You could dispute an error with XXXX. 
XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed XXXX Missed Payment {$3700.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Business Credit Card ( individual has primary responsibility ) Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2800.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$3700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Account closed by credit grantor Payment History Latest Status : Collection/Charge-Off XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX CO CO CO CO CO CO CO CO CO CO CO CO XX/XX/XXXX U U U U U U CO CO CO CO CO CO XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U U U U U U XXXX CO Collection/Charge-Off U Unknown

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