Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: FL
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:
I have filed multiple disputes about my credit report with the 3 CRAs over the last 90 days, and several in the beginning of XXXX. Yet, none of the inaccurate & erroneous information has been removed from my report. Furthermore, I believe the CRAs did not conduct a proper investigation under the US Code definition. 

The CRAs have violated and continue to violate several consumer protection & privacy laws governed by the FCRA, FDCPA, & and Truth in Lending Act. This inaccurate reporting continues to negatively affect my family and I. As I am trying to purchase a home to grow my family, this inaccurate information has paralyzed my ability to acquire funding, and grow my business. In addition, I have had this inaccurate & adverse information negatively affect me with employer credit checks. And sadly, it has had a detrimental affect on my mental health. 

The accounts listed below have several inaccuracies and have been improperly and fraudulently investigated by the CRAs. The CRAs have violated my rights under 15 USC 1681. I have attached the most recent credit reports and dispute investigations from Experian, XXXX, and XXXX, and I have highlighted the inaccuracies in the furnished information to the best of ability. 

Furthermore, the accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.

15 U.S.C. 1681 section 611 ( 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.

623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

There are inaccuracies with the account status, payment dates, alleged late payment dates, CARES act violations, and erroneous and adverse information has been added instead of removed on all 3 CRAs. Below are the accounts and violations detailed per account.

I am requesting the CRAs to remove the inaccurate information immediately. As it is UNVERIFIABLE AND DISPLAYS SEVERAL INACCURACIES BWTN THE BUREAUS. 
I DID NOT GIVE THE DATE FURNISHERS NOR THE CRA 's permission to report any of this info. Please remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Account number XXXX Discrepancies on late payment dates EXPERIAN STATES IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXX STATES IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXX STATES IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXXXXXX XXXX Account Number XXXX Discrepancies on late payment dates XXXX XXXX has added erroneous and inaccurate information to my credit file, which is illegal. 

XXXX displays 2 late payment inaccuracies, which were wrongly added after the most recent investigation. It displays XX/XX/XXXX 30 days late payment and XX/XX/XXXX 60 days late payment. 

Experian displays 1 late payment on XX/XX/XXXX XXXX displays 2 inaccurate late payments on XX/XX/XXXX and XX/XX/XXXX, both show 60 days late. 







XXXXXXXX XXXX  Account number XXXX XXXX Displays several late payment inaccuracies, XXXX is displaying 5 late payments, as well as payment history inaccuracies which state {$0.00} throughout the entire card history. 

Experian Displays several inaccuracies that dont match any of the other credit reports, the report states I was late on XX/XX/XXXX by 30 days, which is wrong. As well as several more inaccuracies that can be seen by properly reviewing the credit report. It STATES I HAVE 6 LATE PAYENTS WHICH IS WRONG. 

XXXX Also displays several inaccuracies compared to the other credit reports and previous reports furnished by CRA. 

XXXX XXXXXXXX XXXX  Account Number XXXX Experian has one unknown account stated as an authorized user. And several last payment date inaccuracies, delinquency reported date, XX/XX/XXXX. Also shows 30 days late for 3 months XXXX. 

XXXX also displays several inaccuracies related to late payments, date of last payment, and frivolous account. 

XXXX displays 7 late payments that are inaccurate.

All 3 CRA accounts have inaccuracies for late payments and inaccurate charge off dates. 

XXXXXXXX XXXX XXXXXXXX Account Number XXXX There are several inaccuracies on this account. The payment status shows Pays as agreed and account status as Closed. Which is incorrect. 

XXXX displays 5 late payments and show 3 late payments from XXXX that show 30 days late consecutively. 

EXPERIAN Also displays 5 late payments with 3 incorrectly displaying 30 days late consecutively from XXXX. 

XXXX Displays 4 late payments and has incorrectly has 30 days late consecutively from XXXX XXXX Account XXXX XXXX This account is violating my privacy rights as I did not give XXXX XXXX permission to furnish my information. Furthermore, there are account inaccuracies that appear on the 3 CRAs. 

XXXXXXXX XXXX XXXX  Account Number XXXX This account has several inaccuracies and is violating my privacy rights. 

Experian Displays inaccuracies of 60 days late consecutively from XXXX. 

XXXX Displays inaccuracies of 60 days late from XXXX, after displaying 90 days on XX/XX/XXXX. Also displays 90 days late on XX/XX/XXXX. All inaccurate. 

XXXX Displays inaccuracies with back to back 60 days late on XXXX and 120 days late from 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