Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom May Concern, I am aware of, The Responsibility of credit reporting agencies Credit reporting information is sensitive data. The issues of accuracy and completeness of information and fairness to consumers are not just a concern of the consumer reporting agencies ; credit grantor participation is also required. Federal and state laws already regulate certain aspects of credit reporting. In order to protect your ability to conduct business without the further intervention of external forces, you must participate in the accuracy process.

Both credit grantors and consumers depend on consumer reporting agencies to acquire and maintain accurate credit histories. This can only be accomplished if the provider of consumer data understands the tools that are available and adheres to the standards for credit reporting.

I am aware that you use E-Oscar to process your disputes.

E-OSCAR System Support Team- This group maintains an industry-wide automated consumer dispute resolution system, which is required by the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 5 ) ( D ). This team includes representatives from XXXX, Experian, XXXX and XXXX. 











Automated Data Reporting ACCURACY AND INTEGRITY DEFINITIONS The XXXX  FACT Act Data Furnisher rules define the term Accuracy to mean that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumers performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 

The term Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnishers records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the credit limit, if applicable and in the furnishers possession.

MAINTAINING ACCURACY, INTEGRITY AND CONSISTENCY OF CREDIT INFORMATION Once information is reported accurately, it is important that data furnishers not ask for a subsequent change in the history payment record unless the payment history is inaccurate.

Consumer credit history information will be reported in a factual, precise and objective manner.

Only inaccurately reported accounts should be deleted. Paid derogatory accounts, such as collections or charge offs, should be reported as paid ; they should not be deleted. 


Requests by consumers for re-verification of challenged information must be processed promptly. 

Unless an error is discovered, the consumer will be advised that the factual credit history will continue to be reported. 

As Stated by the XXXX, the voice of XXXX, Experian, XXXX and XXXX, who operate under the Fair Credit Reporting Act ( FCRA ) section 611 ( a ) ( 5 ) ( D ) using the system called E-Oscar, any sensitive data reported or obtained placed on a consumer report must be accurate.

Missing, Errors, inconsistent, not available, Deceptive, Questionable, Deviant, unconfirmed, are causing the report to be inaccurate and the integrity of the reporting not being maintained which is required by the consumer reporting agencies.

Inaccurately reported accounts should be deleted.

Failure to maintain Metro Standard 2 compliance must be deleted.

Please see attached The FCRA Laws That support my reason for Deletion 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) 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.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am seeking {$1000.00} per violation.

Please be advised this is my final attempt before a file a law suit.

Please be advised you are discriminating against me violating the Equal Opportunity act.

Please be advised that you are violating the FCRA law that you operate under.

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