Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus been abusing my rights and neglecting inaccurate information on my credit report. They have stopped my girlfriend and I from finding a suitable apartment to permanently live in. They added and removed the remarks code without providing me correct documentation which is causing big changes in my credit score. Also they still have yet to clean up and delete my old personal information regarding old addresses, closed accounts have been paid off for over 3 years and removing late payments which the creditor authorized disputes to due to the fact i pay on time and a few payments ahead. Fourthly I am finding multiple accounts with inaccurate information on my credit report relating to those accounts. I have listed below all the rights that they abused over the course of 6 months, all my current personal information, as well as the inaccurate information i have found on each of my accounts, have the investigation documents that were sent by mail to me by the credit bureaus, and tracking numbers to previous letters that i have certified mailed to each of them regarding their investigations.

15 usc 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher ( E ) Duty of person after receiving notice of dispute ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

15 usc 1681i ( 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. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX ss : XXXX XXXX XXXX account number : XXXX XXXX Experian last date of activity : XX/XX/XXXX XX/XX/XXXX date opened : XX/XX/XXXX XX/XX/XXXX closed date : XXXX creditor remarks : dispute resolved by XXXX unpaid balance reported as loss snap-on account number : XXXX date of last activity XX/XX/XXXX XX/XX/XXXX Creditor type miscellaneous finance sales financing XXXX XXXX account number XXXX date of XXXX XXXX XX/XX/XXXX XX/XX/XXXX date reported XX/XX/XXXX XX/XX/XXXX date opened XX/XX/XXXX XX/XX/XXXX balance owned {$27000.00} {$27000.00} last payment XX/XX/XXXX XX/XX/XXXX XXXX tools account number XXXX last verified XX/XX/XXXX date of last activity XX/XX/XXXX XX/XX/XXXX date opened XX/XX/XXXX XX/XX/XXXX closed date XX/XX/XXXX Letter tracking numbers XXXX XXXX XXXX XXXX experian 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