Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very distressed that your company continues to include information on my credit file and has not maintained reasonable procedures in your operations to assure the maximum possible accuracy with the reports you publish. 

You have continually failed with every dispute I submitted to your company and your neglect has violated my rights. I have disputed these accounts numerous times with the same inaccurate information being reported and not being deleted for inaccuracies. 

Since it is apparently clear that you are unable to investigate and re-investigate properly I will assist. 

Three activities from XXXXXXXX XXXX  have been reporting inaccurate information within the XXXX credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I submitted the first dispute regarding this account it has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NO'T include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
INACCURATE YOU MUST DELETE Under 15 U.S.Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Your improper procedures are highly damaging to my credit score. 
INACCURATE YOU MUST DELETE Not only the aforementioned this inaccurate account is reporting inaccurate and reporting inconsistent balances across bureaus which includes the 1. Inaccurate Balance information 2. Inaccurate Payment History 3. Inaccurate Date of last payment 4. Inaccurate Date of last activity 5. Inaccurate Date of opening 6. Inaccurate credit limit I could go on and on with additional numbers of inaccurate information that you failed to investigate but I will leave the rest for you. 

I have spoken to representatives in your company and was informed on a recorded line that if I want additional information from your company regarding the accuracy of the account and proof that I was to contact the creditor directly. Please explain how your company is reporting inaccurate information furnished by the creditor and the same inaccurate information is being reported to other bureaus. Please explain how you are illegally violating the rules of the Fair Credit Reporting Act by allowing this to continue. 

Please review attached document of side by side view of the inaccuracies that this alleged account is reporting to other bureaus. 

No need to provide this inaccurate information to the creditor so then can now update the inaccurate and inconsistencies that you have allowed them to report to you company falsely manipulating my credit file. 

It is your responsibility to ensure XXXX percent accuracy which you have failed to do so. 

I demand these inaccurate accounts to be permanently deleted from my credit file. Disputes from XXXX, XXXX and XX/XX/2024 have all come back inaccurate you must delete. 

This accounts date of first delinquency illegally being changed to manipulate the statue of limitations Please review attached documents.

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