Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: IA
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:
On XX/XX/XXXX  I submitted complaint investigation request # XXXX through CFPB portal that EXPERIAN was reporting my XXXX XXXX XXXX XXXX  account # XXXX incorrectly. I will attach a print out of the report for you to see needed information. As an EXPERIAN paying credit monitoring member EXPERIAN has already sent me my dispute results ( also attached ) You can see they are CLEARLY PLAIN AS DAY VIOLATING MY RIGHTS and not doing ANY WORK ON A FAIR AND PROPER INVESTIAGTION WHATSOEVER!!! First of all as stated in the original report this account is being reported differently to Two out of the THREE CREDIT BUREAUS, so it is CLEARLY INCORRECT INFORMATION!! Also as stated I in the original dispute I had made a payment on the Credit Card under the CARES ACT modification law during COVID 19 which REQUIRES XXXX XXXX XXXXXXXX  TO MAKE MODIFICATIONS and show that I am CURRENT ON PAYMENTS towards my account when we have an AGREEMENT made during said payment resulting in VIOLATION NUMBER TWO! Also, EXPERIAN hasnt lifted a FINGER to do any sort of REAL PROPER and FAIR INVESTIGATION violation number THREE!! They are SO BOLD as to state right in the first paragraph ( ABOUT DISPUTE DETAILS ) that the way they investigated was to contact the original company in other words XXXX XXXX XXXX XXXX  CREDITOR THESELVES!!!!! TOTALLY VIOLATING MY RIGHTS under 15 US C 1681 Section 603 ( 3 ) ( E ) States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. OBTAINED DIRECTLY FROM A CREDITOR!!!!! They have violated so many of my rights and arent putting in any work to do a fair and proper investigation as a matter of fact I see that ALL of my disputes with EXPERIAN are coming back exactly the same, NO WORK on their part, seeking out THE ORIGINAL CREDITOR and also violations my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 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. by not reporting my information correctly!! This is my last and final time disputing this before I will be taking LEGAL ACTION AGAINST EXPERIAN for violating my rights!!

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