Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
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:
Base on the previous complaint filed with the cfpb ( XXXX ) It is clear the Experian is failing to uphold their duties required under the FCRA to not only ensure that a credit report is 100 % accurate ( maximum accuracy ) pursuant to 15 USC 1681e ( b ) Accuracy of report 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 about whom the report relates. This is evident in attached dispute results attached that show that not only was the dispute opened XX/XX/23 and was completed XX/XX/23 which Experian claims they verified the information as being accurate and yet there is clear inaccuracies in the data. The late payments are just XXXX example of the inaccuracies further as you see the balance listed is incorrect for XXXX as they have it listed at {$9400.00} when in fact the balance as seen on the attached statement show {$9700.00}. This is proof that not only was a investigation not properly done but this shows a negligent and willful refusal to comply under 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o : 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

1681o. Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

( b ) Attorney 's fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

I request written explanation and details of how the investigation was done to verify the information as being accurate which is my right under 15 U.S. Code 1681i ( 6 ) 15 U.S. Code 1681i ( 7 ).

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