Consumer complaint received 2023-12-11
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:
I am writing to address a matter of profound concern regarding the XXXX  Account XXXX, which has become the subject of an ongoing dispute. Upon careful review, we have identified several apparent violations of the Fair Credit Reporting Act ( FCRA ), including specific provisions under 15 USC 1681a. We seek your immediate attention to rectify these violations and to ensure compliance with the pertinent laws governing credit reporting. The legal foundation for our demand includes but is not limited to the following provisions : FCRA Section 611 ( a ) ( 1 ) ( A ) - Incomplete Investigation : As mandated by FCRA Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to conduct a comprehensive reinvestigation of disputed information. If the information can not be verified, it must be promptly deleted.

The notice received suggests an incomplete investigation, a potential violation of this provision.

FCRA Section 623 ( a ) ( 1 ) ( A ) - Furnisher Obligation to Provide Accurate Information : XXXX, as a furnisher of information, is expressly obligated under FCRA Section 623 ( a ) ( 1 ) ( A ) to furnish accurate information to credit reporting agencies.

The certification of accuracy without substantiation raises concerns about compliance with this statutory duty.

FCRA Section 605B - XXXX XXXX XXXX XXXX and Enhanced Protections : Given the potential impact of the XXXX XXXX breach on the accuracy of credit reports, FCRA Section 605B mandates enhanced protections for affected consumers. 
We assert the need for a meticulous review of the XXXX Account XXXX in light of this provision. 

FCRA Section 611 ( a ) ( 6 ) - Lack of Transparency in Experian 's Response : The notice received lacks transparency regarding the reasons for not changing the disputed information, a potential violation of FCRA Section 611 ( a ) ( 6 ).

Full disclosure is imperative for a fair and accurate credit reporting process.

FCRA Section 623 ( a ) ( 2 ) - Continuing Duty to Ensure Accuracy : FCRA Section 623 ( a ) ( 2 ) imposes an ongoing duty on furnishers to ensure the accuracy of previously provided information to credit reporting agencies. 
We urge a proactive review and rectification of any inaccuracies associated with the XXXX Account XXXX. 

FCRA Section 616 - Civil Liability for Willful Noncompliance : FCRA Section 616 establishes severe civil liability for willful noncompliance with the provisions of the FCRA.

Legal consequences may arise from willful violations, and compliance is essential.

15 USC 1681a - Definitions : 15 USC 1681a provides essential definitions crucial to interpreting and enforcing the FCRA. Examples include defining " consumer report, '' " consumer reporting agency, '' and " investigative consumer report. '' In light of the potential violations outlined above, we demand the immediate rectification of any inaccuracies associated with the XXXX Account XXXX. This demand aligns directly with the explicit requirements of the FCRA, 15 USC 1681a, and other relevant statutes, and it is indispensable for ensuring compliance with the law.

I expect your immediate attention to this matter and a swift resolution that adheres strictly to the legal tenets delineated in the FCRA, 15 USC 1681a, and other pertinent statutes.

Please provide me with a written explanation of the investigation process, the evidence considered,

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