Consumer complaint received 2022-06-02
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:
Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FL. XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX ) Account # XXXX ( ( ( THIS IS NOT A REQUEST FOR RE-INVESTIGATION AS YOUR AGENCY HAS FAILED TO PERFORM PROPER INVESTIGATIONS ) ) ) I XXXX XXXX 15-USC-1681 to EXPERIAN I am writing in response to the above XXXXXXXX XXXXl Account. I have 3 separate EXPERIAN Consumer Reports here and there are SEVERAL VIOLATIONS as I study and compare EACH EXPERIAN REPORT. Which tells me your agency DID A LOUSY INVESTIGATION OR NO INVESTIGATION AT ALL. First off, WHAT IS YOUR JURICSDICTION TO THE FOLLOWING? I previously disputed this account TWICE your company has failed to ( ( MARK THIS ACCOUNT AS BEING DISPUTED ) ) PER MY MOST RECENT CONSUMER REPORTS FROM ANNUAL CREDIT REPORT website. After your investigation your agency failed to send me requested information to ensure maximum accuracy, verifiability, correctness, completeness. 
The payment history on each of the EXPERIAN REPORTS show several payments being removed updated with false late payments and/or false 0 payments AFTER CLEARLY SHOWING PREVIOUS ON-TIME PAYMENTS. The same 3 EXPERIAN REPORTS are showing several incorrect/incomplete payments after ON-TIME PAYMENTS that were previously on older reports that have been removed. per your base segment fields XXXX and XXXX and XXXX THE PAYMENT RATING CONTAINS A CODE THAT PROPERLY IDENTIFIES VALUES AVAILABLE TO DETERMINE IF AN ACCOUNT IS CURRENT/30, 60, 90 DAYS LATE. YET YOUR AGENCY PURPOSELY HARMS CONSUMERS. These tactics are not only WILLFUL VIOLATIONS they are also tactics to manipulate the system in order to harm me as a Consumer. FCRA-1681o-NEGIGENT VIOLATIONS OF THE FCRA 15 USC 1681n- CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 USC 1681e ( b ) MAXIMUM POSSIBLE ACCURACY 15 USC 1681e-for failure to keep and follow reasonable procedures to assure maximum possible accuracy Running afoul of the FCRA could expose you to significant liability XXXX including statutory penalties and civil litigation. Only a fool would argue with Congress. 
MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF NON-COMPLIANCE WILLFUL WANTON, WILLFUL NEGLEGINCE AND YOUR CONTINUED VIOLATIONS OF THE LAW THIS SHOULD ALL BE COMPLETE UNDER 30 DAYS AS YOU FAILED TO DO PROPER INVESTIGATIONS MORE THAN ONCE WHEN PREVIOUSLY REQUESTED. 
CURRENTLY YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL. 

CEASE ALL CONSUMER REPORTING WHILE GATHERING ALL REQUESTED INFORMATION PERMANENTLY DELETE IF, UNABLE TO SEND ALL REQUESTED DOCUMENTS. 

( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AS SOON AS POSSIBLE ) ) ACDV- PLEASE PROVIDE ENSURING ROUTED TO PROPER DATA FURNISHER FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS AUD- PLEASE PROVIDE ENSURING ROUTED TO PROPER CRA WITH PROPER DATA CARBON COPIES-PLEASE PROVIDE FOR MY RECORD TRAILER RECORD- PLEASE PROVIDE FOR MY RECORDS MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY 609. Disclosures to consumers [ 15 U.S.C. 1681g ] I AM REQUESTING A FULL DISCLOSURE MY CONSUMER FILES 15 USC 1681 ( a ) ( g ) I AM REQUESTING A FULL DISCLOSURE CONSUMER REPORTS 15 USC XXXX681 ( a ) ( d ) ( 1 ) I AM REQUESTING FULL DISCLOSURE OF MY INVESTIGATIVE REPORTS Each DF must have at least one Compliance Officer. WHO IS THE COMPLIANCE OFFICER PERTAINGING TO THE ABOVE ACCOUNT WITH XXXX XXXX? 

It is imperative that all accounts are reported a minimum of once per month and that they are reported with a final Account Status Code. YOUR AGENCY HAS FAILED TO REPORT THIS ACCOUNT AS REQUIRED BY METRO 2 RULE/COMPLIANCE PLEASE PROVIDE PROOF XXXXXXXX XXXXL Meets all requirements of the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. 

YOUR CONTINUED deviation from these standards jeopardizes the integrity of the data. DELETE THIS ACCOUNT IMMEDIATELY.

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