Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: SC
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:
It really has been a hassle to get an accurate credit report. After disputing this account with XXXX and Experian, they have since; allowed the company to furnish different information on my consumer report. To my understanding my report is supposed to be 100 % accurate. Based on the payment information received from XXXX XXXX XXXX and comparing the consumer reports, it is still reporting incorrectly. I have addressed XXXX and XXXX, which both have stated that they do not furnish the information or change it. They stated that the change was from XXXX XXXX XXXX. I understand that XXXX XXXX XXXX ( a ) states that credit reporting should be fair and accurate. I also understand that transactions and experiences should be excluded from the consumer report. As a consumer I have a right to privacy as well. In pursuant to XXXX XXXX XXXX giving or providing false information is a violation. 

XXXX verified that this was in fact an accurate account in the past. This account has reported a past due balance after the repossession took place. It has since been changed and payment information has been modified. If it was accurate when I disputed this account, why has there been changes since then? 

Instead of deleting this account due to inaccuracy these agencies prefer to be above the law and change the report how they feel suitable. They have completely removed the balances so that I can not view them. 

Proof that changes have been made is provided. Proof that this was not accurate the first nor second time it was disputed, is provided. Proof that this is still in fact inaccurately reporting is provided. 


XXXX. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

XXXX. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term " person '' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 
( d ) Consumer Report. 
( XXXX ) In general.The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX of this title. 

( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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