Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the FCRA, the credit bureaus refuse to follow the FCRA. I have sent letters and disputes to fix this ongoing problem. None of these accounts are accurate or or correct and must be remove or fine in accordance with the FCRA. Acct. # XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX, XXXX XXXX, ACCT # XXXX XXXX  XXXX, ACCT # XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 SEC 604A states I have the right to privacy. 15 U.S.C. 1681 SE 604A SEC 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681b states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 U.S.C 1861i ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 15 U.S.C. 1861i SEC ( 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. ( 6 ) Notice of results of reinvestigation ( A ) In general U.S.C. 1681i SEC 6 ( A ) A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. U.S.C 1681s-2a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( 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.

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 non-monetary relief