Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account XXXX / {$470.00} This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account XXXX / {$840.00} This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account XXXX / {$470.00} This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account XXXX / {$1100.00} This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account XXXX / {$760.00} This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX/ {$5000.00} This account was charged off on XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. 
A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX Account number XXXX XXXX  / {$240.00}

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