Consumer complaint received 2024-11-20 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: NJ

Complaint narrative:
I asked EXPERIAN to make sure my credit report was accurate on a dispute about XXXX XXXX XXXX XXXXXXXX. They got back to me saying It was updated. That is false. Nothing was updated let alone verified or corrected. 

the account was charged off. It was charged off in XX/XX/XXXX. However, experian neglected to " verify '' and " correct '' the entire listing on the account and it is still showing CO ( " charge off '' dating AFTER the closing. Since then this account has been repeatedly updated as charged off every month since XX/XX/XXXX. This is an update to payment history which to my understanding - payment histories shouldn't be updated on charged off accounts. This also falsely manipulates the statue of limitations. 

You previously investigated the accuracy of this account and disclosed your findings along with updates on file no. XXXX dated XX/XX/XXXX - I attached that. The account reporting on my consumer report remains inaccurate and is injuring to my reputation. 

I demand now that this account be deleted from my credit file and confirmed back as such in writing including my ACCURATELY updated credit Experian report. To ensure Experian can verify who I AM, and complete this demand for deletion pursuant to the FCRA congressional findings, I've gone ahead and included a copy of my drivers license, a utility bill, and W2 to validate identity and soc ssec #.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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