Consumer complaint received 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit profile. 


XXXXXXXX XXXX ACCOUNT XXXX : Late payment on XX/XX/2022 I sent you multiple letters via certified mail and the company did not respond. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681G ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX should, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information.

If the completeness or accuracy of any items of information contained in my file at the credit agency is disputed by me, the consumer, and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unlawfully noncomplying with federal law & this issue is causing damage on my financial reputation resulting of stress in my life, daily and hindering my health and well being. Id like this matter resolved immediately. 

My consumer rights are protected by the Fair Credit Reporting Act. I am a honest, natural and good person who works hard and makes sure that my financial health is a priority. And I'm aware of all rights that I have, which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). This account has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681 as the reporting agency that has assumed the role of assembling and reporting and equitable. As a consumer, I am raising specified remedies and bring the following demands : 15 U.S.C. Sec. 1681i ( a ) if the credit agency can not provide evidence and send it to me in the mail that claims this late payment is accurate within the 30 days of my first dispute months ago then by law the late payment has to be removed from my credit file. This late payment must be deleted. As said by a consumer attorney, the credit agency has 30 days to complete this investigation. You have had months to complete this investigation, so I request now that you remove it immediately. 


2. Please note of my change of address.

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 non-monetary relief