Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: IL
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:
THIS IS MY 3RD ATTEMPT TO GET THIS FIXED WITH YOU ALL AND THE CREDIT BUREAUS!!! I WILL BE FILING A LAWSUIT AGAINST ALL THREE AGENCIES AND CFPB WITHIN 30 DAYS IF THESE ISSUES ARE NOT FIXED! 

In XXXX of XXXX and XXXX of XXXX I had placed a dispute on multiple inaccurate things reporting on my credit report. XXXX stated that they had done a " proper investigation '' and all information was " correct '' and verified. The Credit Bureaus never did a proper *investigation '' according to the FCRA XXXX The term " investigate '' consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, THEY DID NOT DO THIS! XXXX XXXX AND EXPERIAN never advise who they interviewed. I AM ENTITLED TO A FULL INTERVIEW REPORT WITHIN 3 DAYS! Also, they have violated my rights even more In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 



15 U.S. Code 1681i - Procedure in case of disputed accuracy states in section ( 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. Section 5 states ( 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. 

FOR EXAMPLE THERE IS AN ACCOUNT XXXX XXXX  : ACCT : XXXX XXXX : BALANCE {$26000.00} EXPERIAN : BALANCE : {$21000.00} XXXX : BALANCE XXXX XXXX XXXX FROM XXXX XXXX EMAILED ME WITH A CURRENT AMOUNT BALANCE WHICH IS WELL XXXX MORE THAN WHAT THEY ARE REPORTING! I HAVE PROOF FROM THE EMAIL SHOWING THE AMOUNT THAT IS " OWED '' BUT THEY ARE REPORTING INACCURATE INFORMATION FOR 5 YEARS I HAVE BEEN TRYING TO GET THIS RECTIFED AND WILL BE MOVING FOR GROUNDS FOR LEGAL ACTION PER THE FRCA LAWS THAT THE THREE AGENCIES ARE BREAKING AND XXXX XXXX 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and so on and so forth. THIS IS GROUNDS FOR REMOVAL. You also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 US C 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions. I never gave written consent. I have attached all accounts that have inaccurate information and errors. REMOVE THESE ACCOUNTS AND I WANT TO BE COMPENSATED AS SUCH FOR OUT OF POCKET EXPENSES.

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