Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: FL
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:
What happened?   I dispute these Item NEGATIVE ACCOUNTS :  XXXX   XXXX   XXXX  : Account  XXXX  Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted.    XXXX   XXXX   XXXX  : Account  XXXX  Amount {$5000.00} I was never late on this Account :  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 60 days :  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days,  XXXX   XXXX  for 60 days.  XXXX   XXXX  for 30 days,  XXXX   XXXX  for 60 days and please remove all data of these late payment must be deleted Experian. Experian did not compile with the  State Attorney  General  Settlement Agreement and 609.  Disclosures to consume rs [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ],   clearly and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 )   ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or   causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the  consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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