Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I specifically asked the credit reporting agencies to investigate every piece of information on the subsequent accounts. 

According to the FCRA, the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's 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/she is acquainted or who may have knowledge concerning such items of information. 

The accounts have been deemed as accurate by the CRAs but this is not possible when the proper investigation according to law and statute was not conducted. Information on these accounts are improperly, erroneously, and inconsistently being reported by all 3 bureaus and I will attach the proof. According to the FCRA 15 USC 1681, everything has to be 100 % accurate.

Overall, the CRAs have compiled information that is inaccurate and misleading into my credit report. Creditors have relied on this information in my credit report in making decisions to extend credit to me and I have been recently denied due to their negligent and/or intentional missteps in terms of the proof that I have submitted to them to have these inaccuracies immediately deleted. They have violated my rights for which I have received harm and they have violated the FCRA. 

The FCRA  states that in conducting any reinvestigation, with respect to disputed information in the file of any consumer, you, the consumer reporting agency shall review and consider all relevant information submitted by the consumer with respect to such disputed information. In respect to the treatment of inaccurate or unverifiable information, the CRAs must promptly delete those inaccurate items of information from my credit file ( s ) or modify that item of information, as appropriate, based on the information submitted and results of the reinvestigation. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MORE THAN 2 PAYMENT PAST DUE ( Inaccurate ) Verified with furnisher that this item was paid satisfactorily and has never been late. There has been no consumer reporting agency that has responded and updated the payment history to accurately reflect no late payments. The data and history that you report shows no late payments but yet they status the account as being NOT MORE THAN 2 PAYMENT PAST DUE. This is not only misleading but intentional neglect to what the furnisher has submitted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 Days Late in XX/XX/XXXX ( Inaccurate ) Verified with furnisher that dispute was successful under the Affected By Declared Disaster major disaster for the State of Mississippi ( FEMA-4415-DR ), and that I would not be liable for such an unforeseen financial impact. Only XXXX has responded and updated the payment history to accurately reflect where I was impacted by the declared disaster relative to the major disaster for the State of Mississippi ( FEMA-4415-DR ). XXXX and Experian have yet to remove late pay after proof has been shown. 

XXXX. XXXX XXXX XXXX / XXXX / XX/XX/XXXXXXXX / 60 DAYS PAST DUE ( Inaccurate ) Verified with furnisher that this item was paid satisfactorily and has never been late. There has been no consumer reporting agency that has responded and updated the payment history to accurately reflect no late payments other than Experian. The data and history that you report shows no late payments but yet they status the account as being 60 DAYS PAST DUE. This is not only misleading but intentional neglect to what the furnisher has submitted. 

XXXX. XXXX / XXXX XXXX / XXXXXXXX XXXX ( 2 ) 30 Days Late in XXXX XXXX / ( 1 ) 60 Days Late in XXXXXX/XX/XXXX ( Inaccurate ) Verified with furnisher that dispute was successful under the Affected By Declared Disaster COVID-19 provision and that I would not be liable for such an unforeseen financial impact. There has been no consumer reporting agency that has responded and updated the payment history to accurately reflect where I was impacted by the declared disaster relative to COVID-19. They have yet to remove late pay after proof has been shown. 

XXXX. XXXX XXXX / XXXX / XX/XX/XXXX / NOT MORE THAN 2 PAYMENT PAST DUE ( Inaccurate ) Verified with furnisher that this item was paid satisfactorily and has never been late. There has been no consumer reporting agency that has responded and updated the payment history to accurately reflect no late payments other than Experian and XXXX. The data and history that you report shows no late payments but yet they status the account as being NOT MORE THAN 2 PAYMENT PAST DUE and this account has never been paid late. This is not only misleading but intentional neglect to what the furnisher has submitted.

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