Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM TIRED OF GOING BACK AND FORTH WITH YOU AND THE CREDITORS WITHOUT RESOLUTION OR PROOF OF VERIFICATION! THIS IS YOUR LAST CHANCE TO CORRECT AND COMPLY BEFORE LITIGATION! 

I recently sent a request to reinvestigate the information previously disputed. The computer-generated response I received is unacceptable and I have lost patience. Your unlawful conduct and willful neglect has caused me a lot of stress and financial harm, including out of pocket costsexpenses, and loss of personal credit opportunities. 

It appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Which is a violation of FCRA 15 USC 1681 ( e ) ( b ) Compliance procedures-Accuracy of Report. I have attached an audited report from XX/XX/XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : UPDATE XX/XX/XXXX TO PAID ON TIME Provide Method of Verification and Procedure used Never received statement of late Never Paid Late XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Inaccurate Payment History Misrepresenting the date of status and date of last activity resulting in the account being re-aged Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ). 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Credit limit and High Credit Amount Incorrect Failing to report a previously disputed account as disputed to the credit reporting agencies Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ). 


XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ). 

XXXX  Date Opened : XX/XX/XXXX Balance : {$3800.00} Reasons : DELETE ACCOUNT IMMEDIATELY Provide Method of Verification and Procedure used Date Opened Inaccurate Reporting past due amount on a collection/charge off. 
Misrepresenting the date of status and date of last activity resulting in the account being re-aged. 
Failure to conduct a reasonable investigation of direct dispute from me, including a review of all relevant information provided by me ( 12 CFR 1022.43 ( e ) ( 1 ) and ( 2 ) ).

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 non-monetary relief