In XXXX of 2015, I began an investigation of XXXX with ExperianSPECIAL SERVICES REP named " XXXX '' .I uploaded proof to XXXX and lateruploaded a letter ( attatched here ) summarizing the dispute.According to FCRA, I disputed the account as inaccurate/incomplete and according to law was specific. 
After investigation the account does not contain a " date of XXXX delinquency '', there is no " date closed '', the amount paid on " date of last payment '' is not zero.THE WRONGFUL REPORTING causes the fico score to calculate the last time late as about 2 yearswhen it is about XXXX years.In addition the creditor amounts due are usurious, excessiveand illegal according to the 2009 CREDIT CARD ACT.EXPERIAN VIOLATESREPORTING LAW AND THEREBY COLLUDES WITH THE CREDITOR. 
I HAVE RETAINED AN ATTORNEY TO HANDLE THE CREDITOR AND EXPERIAN.