Consumer complaint received 2023-01-14
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: Account status incorrect

Complaint:
Under section 611of the FCRA, in general, if after a reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer or modify that item of information to reflect the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the customer 's file.

Suppose any information is deleted from a consumers file. In that case, it may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the data is complete and accurate.

The below information was sent out to the three credit reporting agencies, XXXX, XXXX, and Experian. However, the data is still misreported. 

I looked at a copy of my credit report and noticed I had a few accounts I wanted more information on. I am not sure if they are reporting right or wrong, I just want everything to be 100 % correct on my report. I found something called the Fair Credit Reporting Act, whereby law I have the right to challenge anything I am not sure of on my report. 

Do you know of 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. I would like you to investigate these accounts and if they aren't 100 percent correct and right, they need to be deleted. 

Please check on these and get back to me within 30 days to complete the investigation. Below are the following accounts I would like you to investigate and remove if anything is missing or incorrect. 

Charge off XXXX XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. 
Interest rate disclosure Balance history Payment history Credit Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. 

Charge off XXXX store card XXXX Please investigate this account! And provide me with the following : Pay off disclosure. 
Interest rate disclosure Balance history Payment history Credit Insurance I know it is not reporting correctly because it has been paid in full since XXXX. This needs to be deleted from my report. Thank you. 

Charge off XXXX XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. 
Interest rate disclosure Balance history Payment history Credit Insurance I know if it is not reporting correctly, this needs to be deleted from my report. Thank you. 

Charge off XXXX XXXX Please investigate this account! And provide me with the following : Pay off disclosure. 
Interest rate disclosure Balance history Payment history Credit Insurance I know it is not reporting correctly because it has been paid in full since XX/XX/XXXX. This needs to be deleted from my report. Thank you. 

Charge off XXXX XXXX Please investigate this account! I know it is not reporting correctly because it has been paid in full as of XX/XX/XXXX. This needs to be deleted from my report. Thank you. 

I also read where I can get the updated report after you investigate this within 30 days. Could you please send it to me ( my address is below )? Also, please let me know who had access to my file as well. I appreciate your help in this matter. 

Thank you, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA, XXXX XXXX // Birthday XX/XX/XXXX

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