Consumer complaint received 2023-01-23
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:
I am writing to dispute the inaccuracies and errors on my credit report as reported by the three credit reporting agencies ( CRA 's ) : Experian, XXXX, and XXXX. I have filed multiple disputes about my credit report with the CRA 's over the last 90 days, and several in the beginning of XXXX, but none of the inaccurate and erroneous information has been removed from my report. 

Furthermore, I believe that the CRA 's did not conduct a proper investigation under the US Code definition. And this inaccurate and unverifiable information continues to be reported. 

Also, this inaccurate reporting continues to negatively affect my family and me. As I am trying to purchase a home to grow my family, and can not acquire any reasonable financing due to this adverse reporting. This inaccurate and adverse information has also paralyzed my ability to acquire funding and grow my business. In addition, I have had this inaccurate and adverse information negatively affect me with employer credit checks, and it has had a detrimental affect on my mental health. 

The CRA 's have violated and continue to violate several consumer protection and privacy laws governed by the FCRA, FDCPA, and Truth in Lending Act. The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and continue to report inaccurate and unverifiable information. I have listed the FCRA US codes below : ACCOUNT : XXXX  XXXX XXXX XXXX EXPERIAN XXXX Reports inaccuracies of XXXX late payments, reports 120 days late consecutively from XXXX, and 150 days late consecutively on XX/XX/XXXX and XX/XX/XXXX. 

XXXX : Reports 9 inaccurate late payments, reports a late payment on XX/XX/XXXX that is inaccurate, reports 120 days late from XXXX XXXX : THIS ACCOUNT WAS CORRECTLY REMOVED/DOES NOT REPORT ON XXXX. 


US CODES 15 US.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 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. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections.

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