Consumer complaint received 2023-03-28
Company: Experian Information Solutions Inc.
State: GA
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:
I have sent numerous certified letters regarding my credit report. I called Tuesday XX/XX/2023 at XXXX XXXX spoke with representative XXXX employee number # XXXX, regarding my concern of late payments reporting. XXXX stated that Experian reports whatever the information is given to them by the agency. I expressed that I have not received any documentation validating the accounts on my credit profile. XXXX stated he did not care theyll add whatever the agency give them. This procedure is unethical, unlawful and illegal. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX - must be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX -must be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX-must be REMOVED XXXX XXXX- XXXX XXXX XXXX XXXX XXXX SC XXXX must be REMOVED XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX MUST BE REVERSED OR NO DATA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX Va XXXX MUST BE REVERESED OR NO DATA Experian decision is IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 
 Experian decision is VIOLATION to 623. ( b ) Duties of furnishers of information upon notice of dispute.

( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly : ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.

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