Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Last XXXX SS # XXXX Experian XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Second Notice - Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to address a matter of significant concern regarding the accuracy of the information on my consumer credit report. On XX/XX/2023, I initiated a dispute with your agency regarding certain accounts that I believed to be reporting inaccurate information. Despite my dispute, your agency has indicated that these accounts are reporting accurate and verified information. 

I wish to bring to your attention that this response appears to be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i ( 1 ) ( A ) and 15 USC 1681i ( 5 ) ( A ). These sections of the FCRA mandate that consumer reporting agencies must conduct a reasonable reinvestigation of disputed items upon receiving a consumer 's dispute. 

In my initial dispute, I provided detailed information explaining why I believe the reported accounts contain inaccuracies. I also provided supporting documentation to substantiate my claims. However, your agency 's response seems to suggest that a proper reinvestigation may not have been conducted, as the inaccuracies in the reported accounts remain unaddressed. 

To recap, the disputed accounts in question are as follows : XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Date last active, No. of Months Term, Reporting inaccurate late payments when account is charged off. 
Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : No. of Months Terms, Payment Status each agency reporting different data, Last Reported dates Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified XXXX ) Creditor Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Account Type, Date Account Opened, Inaccurate payment history Please remove account due to FCRA Violations and your reporting agency lying to me about account being accurate and verified I would like to reiterate that these inaccuracies are not merely discrepancies ; they are significant and have a direct impact on my financial standing. I have a right to a fair and accurate credit report, as guaranteed by the FCRA. 

In light of this situation, I kindly request that you conduct a thorough and unbiased reinvestigation into the disputed accounts. This investigation should include a review of all relevant documentation and communication with the reporting creditors, as necessary. I am enclosing copies of the documentation I provided during my initial dispute for your reference. 

This is not the time for your agency to make any corrections due to your agency stating these accounts are accurate and verified. Please be advised that I expect your agency to comply with the FCRA by conducting a proper reinvestigation and providing me with a written response detailing the results of this investigation. If the accounts are indeed found to be inaccurate, I request their immediate removal from my credit report. 

Should your agency fail to comply with the FCRA by not conducting a reasonable reinvestigation or providing a satisfactory response, I will be left with no choice but to pursue legal remedies available to me under the FCRA. 

I appreciate your prompt attention to this matter and anticipate a timely resolution. You may contact me at ( XXXX ) XXXX or XXXX or XXXX if you require any further information or clarification. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX 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