Consumer complaint received 2024-07-26 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: FL

Complaint narrative:
Dear Experian, Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I have disputed this account in the past several times, the result comes back verified every time and I sent other letters after they sent the result saying it was verified and I requested of them to send information concerning Its my understanding that the credit bureaus have investigated this account and it keep coming back as verified. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I'm demanding the deletion of the following account. 
XXXX : XXXX According to The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. The FCRA emphasizes the confidentiality, accuracy, relevancy, and proper utilization of consumer information include : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer reports. Ive listed below some inaccuracy that I found with this account -The account type is different from XXXX XXXX XXXX has no account type- It's a violation because all three are not consistent -The date opened is different from Equifax- It's XXXX violation because all three are not consistent -The high credit is different from XXXX 's a violation because all three are not consistent `An account that has a payment status of collection/chargeoff should not have a past due amount-its a violation -The last reported date is different from XXXX- It's a violation because all three are not consistent -The comments XXXX are commenting different comments, and they are not in consistent- It's a violation because all three are not consistent -The 'date last active ' is different from XXXX and XXXX 's a violation because all three are not consistent The 'date of last " payment XXXX different XXXX XXXX 's a violation because all three are not consistent -As far as the payment history is concerned, XXXX is not showing any payment history, XXXX is showing all Oks except for XX/XX/XXXX and XXXX XXXX and XX/XX/XXXX but XXXX company. This account shows that it was CO in XX/XX/XXXX since the account has repeatedly been updated as charged off every month. This an update in the payment history. A charged off account should never include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 
Please see attachment for proof

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