Have made 9+ disputes ( since XXXX XXXX XXXX XXXX ) with Experian on credit card account with XXXX ending with XXXX. Experian refuses to fix inaccuracies reporting charged off account payment status as late since XXXX XXXX XXXX. XXXX XXXX account charged off XXXX XXXX. Representative stated its Experian right to set policies regarding how charged off credit card accounts are reported. Requested copy of Experian policy regarding reporting of charged-off credit card accounts placed on hold 20+ minutes. 
