Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: TX
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:
This complaint is against Experian and there REFUSAL to update a reported account XXXX XXXX XXXX XXXX correctly on my experian report. I have already been in contact with XXXX pursuant under section 623 of the FCRA and XXXX ( XXXX ) has responded XXXX XXXX XXXX  and provided me with specific information in regards to the account. They have also stated that the information that they provided was sent to the consumer reporting agencies. 

XX/XX/XXXX I sent experian a dispute in regards to experian reporting a inaccurate purging date of XX/XX/XXXX when experian is clearly reporting the correct date of 1st delinquency on the account which was XX/XX/XXXX. I also attached the document from XXXX XXXX XXXX XXXX as PROOF experian is not reporting what XXXX has given to them to report. How is it possible to be reporting the correct date of delinquency in the payment history but report a different purging MONTH that does not align with the date of delinquency? This is a blatant inaccuracy because Experian clearly has the proof being reported in black and white. 

XX/XX/XXXX Experian generated me with results report # XXXX and there outcome was updated. As I look over the BEFORE and AFTER dispute results, experian completely IGNORED my dispute because the purging date was NOT fixed and still reports the same on record until XXXX XXXX. Experian blatantly refused to fix this date even when PROOF from the data furnisher was supplied to them to support my dispute. 

The purging date is a 4 month difference and clearly a blatant inaccuracy on experians part and experian is NOT following experians seven year policy as they have specified on there website. I have attached proof from their website clearly stating However, if the account was never brought current, then the entire account will be removed seven years from the ORIGINAL DELINQUENCY DATE. 

XXXX XXXX XXXX XXXX  sent there response XX/XX/XXXX and it has been almost 3 months since Experian received the same information. There is no excuse on why experian is not reporting what XXXX XXXX XXXX XXXX has given to them to report. This is a FEDERAL VIOLATION that is a REQUIREMENT to report CORRECTLY to be in compliance under 605 and 623 of the FCRA. 

605. REQUIREMENTS relating to information contained in consumer reports [ 15 u.s.c 1681c ( c ) ] Running of Reporting Period.

( c ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) SHALL begin, with respect to any delinquency account that is charged to profit and loss upon the expiration of the 180- day period beginning on the date of the commencement of the delinquency which immediately preceded the charge to profit.

In addition, to the inaccurate purging date, there are many errors still reporting proving that experian doesnt care to report only accurate information. See below. 

-On Record Until XX/XX/XXXX ( wrong purging date ) -Status Updated XX/XX/XXXX ( wrong this account last activity [ charge off ] did not occur XXXX XXXXXXXX ) -Last Payment XX/XX/XXXX. ( even tho experian does NOT report a specific field of a Last Payment, there reproing the last payment in the payment history to be XX/XX/XXXX which is inaccurate. ) see XXXX XXXX XXXX  ) document as proof. 
-120 days late XX/XX/XXXX ( this account was never 120 days late, see JPMCB ( chase ) document as proof of when the date of delinquency occurred leading up to the charge off ). 
XXXX XXXX  shows a on time payment which is inaccurate because this account was closed XXXX XXXX See XXXX XXXX XXXX XXXX document as proof. 
XXXX XXXX Charge Off ( this account was not charged off in XXXX XXXX See XXXX XXXX XXXX XXXX  document as proof. 
-Comment Current Account closed at consumer request ( this DISPUTED account is MISSING the required compliance condition code ( ccc ) from the data furnisher used to satisfy its obligation to communicate that a debt is disputed. VIOLATION 605. [ 15 u.s.c 1681c ( f ) ] 623. [ 15 u.s.c 1681s-2 ( a ) ( 3 ) ] -Reinvestigation Info This item was updated from the processing of your dispute in XX/XX/XXXX. ( to my understanding the proper and thorough way a consumer reporting agency is to conduct a reinvestigation is to communicate indirectly with the company XXXX XXXX XXXX XXXX on my behalf and send them information included in regards to my dispute. XXXX then sends a code back to the consumer reporting agencies using either the same ACDV form used to communicate the dispute or to use a AUD form with the modifications ( XXXX XXXX ) submitted to experian in order to result in a Updated result status. E-Oscar then sends automated carbon copies to all other nationwide consumer reporting agencies in order to modify their files appropriately. I can definitely assure you that XXXX and XXXX are NOT reporting the same information as Experian is. ) Experians before and after results report the exact SAME information and only the Balance Updated was updated from XXXX XXXX XXXX to now XXXX XXXX XXXX, so now this account was updated twice in the same reporting cycle and Experian updates STILL DO NOT REPORT THIS ACCOUNT TO THE MAXIMUM POSSIBLE ACCURACY. I believe Experian results are ILLOGICAL in which I dont understand why when XXXX has built in edits to prevent illogical responses. 

In conclusion, I do not believe experian is following required reasonable compliance procedures to ASSURE maximum possible accuracy before preparing me a new report which is a 607. [ 15 u.s.c 1681e ( b ) ] VIOLATION of the FCRA.

607 [ 15 u.s.c 1681e ( b ) ] Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable compliance procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have took the proper steps with Experian INDIRECTLY and XXXX ( XXXX ) DIRECTLY. I have legal proof from XXXX XXXX XXXX XXXX clearly specifying the information they are furnishing to the consumer reporting agencies and verifying the information was sent to the consumer reporting agencies. I have given experian plenty of time almost 3 months ( more than 60 days ) to update their file accordingly. I have given experian a chance to cure this account by reporting only accurate information that the data furnisher has provided and by specifically disputing the purging date of XX/XX/XXXX as a blatant inaccuracy and experian has generated me with ILLOGICAL results with NO updates to any specific reported field other than the balance updated. Experian is in NON compliance with the FCRA. Experian clearly doesnt care about the violations and inaccuracies they are reporting and committing. Experian is NOT following the ( XXXX ) Credit Reporting Resource Guide supported by the ( XXXX ) XXXX XXXX XXXX XXXX to establish standards for the consumer reporting industry that XXXX Experian XXXX and XXXX has created to follow in communication with the data furnishers using via Metro 2 format in order to diminish any inaccuracies being reported and enables the reporting of accurate, complete and timely credit information that also meets all requirements of the FCRA, FCBA and the ECOA. 

Additional FCRA VIOLATIONS 605. [ 15 u.s.c 1681c ( f ) ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency XXXX XXXX that fact win each consumer report that includes the disputed information. 

623. [ 15 u.s.c 1681s-2 ( a ) ( 3 ) ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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