Date Received: 2018-11-06T00:00:00
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: The dates displayed in the open columns on the XXXX & XXXX credit reports do not reflect the actual opening dates. Additionally, the 2 accounts listed under XXXX XXXX XXXX are listed as joint accounts when they are in fact individual accounts. The actual opening dates are much older than what is reflected on the reports. Despite disputing the dates previously with the credit bureaus, the only change has been newer opening dates. This is incorrect reporting. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately.
Regarding Experian credit report, the data recorded is both vague and confusing. Accounts are listed as closed with no payments or further status updates, accounts are also listed as closed with unknown payment status, and missing dates & balances. The dates listed are incorrect and many are listed as more than seven years old. According to the Fair Credit Reporting Act of 1970, inaccurate reporting should be removed immediately.
Overall, all three bureaus are reporting accounts closed that are well over 7 years old, with inaccurate balances or payment information missing. According to the Fair Credit Reporting Act of 1970, these items should be removed immediately.
Company: Experian Information Solutions Inc.
State/Zip: WA 981XX
Company Response to Complaint: Closed with non-monetary relief
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3067600
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
- Three Operators of Financial Services Firm Charged and Arrested in Alleged $155 Million Investment Fraud Scheme - September 17, 2021
- Better Path Financial– Scam, Complaint, Review, Or Praise? - August 25, 2021
- Who Actually Got Covid Forbearance Relief - August 2, 2021