Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Once again Im complaining about the same issue. XXXX and Experian and still reporting inaccurate information. According to 15 USC 1681s-2 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.I have sent notice to the information furnishers via the CFPB. And it seems that only XXXX has received the communication because they removed the inaccurate information on XX/XX/. According to the FCRA 15 usc 1681a 603 Definitions ; rules of construction. ( e ), investigative consumer report such information shall NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian, XXXX have violated this federal law. By their own admission these companies do the exact opposite of the law and ONLY get information directly from the information furnishers and consumer reporting agencies. This is evidence as you can see in the attached documents and results of their so called reinvestigation. Also according to 611.of the FCRA Procedure in case of disputed accuracy [ 15 U.S.C. 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. All of the listed agencies have violated these federal laws. I BEING THE CONSUMER have ultimately say of what is accurate on my credit report. I have been disputing this inaccurate information for 3 years This makes the 5th time of me sending this identity theft report and police report to each agencies. How many times do they get to reinvestigate and keep verifying inaccurate information from the very same alleged creditors that are providing the inaccurate information. According to 15 U.S.C 1681 611 they only have a total of 45 days to do a investigation and reinvestigation. That time as expired. I have submitted all pertinent information and XXXX and EXPERIAN are still reporting inaccurate information on my credit report. XXXX has removed both items as inaccurate or unverifiable. So how are XXXX and Experian able to verify these accounts. The information is inaccurate and according to the law it must be removed. Its seems to me these companies are discriminatory in actions and are damaging my personal private information. I need the inaccurate information removed immediately. And to be made whole again. Which is the responsibility of these agencies to act in good faith and with clean hands.

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