Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Whoever This May Concern : I've found the following information on my credit report that has to be promptly removed from your files : In compliance with the Fair Credit Reporting Act. The accounts listed below have breached my 15 USC 1681-protected consumer rights to secrecy and privacy. Account number : XXXX XXXX . XXXX XXXX XXXX  account was created on XX/XX/XXXX, a payment was made on XX/XX/XXXX, and the account was in good standing in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

How did XXXX XXXX consister my account was a charge-off in XX/XX/XXXX when the last payment was made on XX/XX/XXXX? Once more, an account is charged off between 120 and 180 days after the original due date. You keep sending me my credit report statements, which were validated by the creditor, despite the multiple complaints I've made about this account to the CFBP and FTC over the past two years. 

Your investigation would have shown multiple errors if it had been conducted correctly based on my payment history with my XXXX XXXX XXXX account. I have spoken with XXXX XXXX XXXX and you Experian on this issue. You both are pointing fingers at each other on this matter. Here is a copy of my bank statement from XX/XX/XXXX, which demonstrates that payment was made to XXXX XXXX  XXXX. 

A charge-off was placed on my account quickly XX/XX/XXXX when I made a payment on XX/XX/XXXX. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Credit reporting organizations must adhere to reasonable procedures in order to guarantee the highest level of accuracy for the data they include in consumer reports, as per 15 USC 1681 ( a ) ( 4 ). This clause highlights the significance of maintaining accurate credit information and obliges credit reporting companies to take the necessary actions to attain this accuracy. I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified account from my consumer report and all your systems. 

DO NOT UPDATE THIS FILE after I have shown you the proof of the inaccurate information on my credit report for the last 5 years you have been reporting on my credit report. If you do update this account.This letter and all other evidence may Be provided to the Consumer Finance Protection Bureau ''. The Consumer Finance Protection Bureau is authorized to investigate this matter and receive any information, pertaining to this matter. I will turn this over to Virginia State Attorney General XXXX XXXX, Federal Trade Commission, and a local FCRA Attorney. I also Directly Faxed this letter to the Consumer Finance Protection Bureau @ XXXX. 


Your Truly, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

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