Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attn : Consumer Dispute Department Re : Dispute of Inaccurate Account Reporting on Credit Report w/ Experian Rent Bureau Dear CFPB and Experian Rent Bureau XXXX I am writing to you as a consumer regarding a dispute that has been unjustly denied by your agency. The inaccurate account currently being reported on my credit report by Experian Rent Bureau is causing significant hardship by adversely affecting their ability to secure housing and employment. I believe that Experian Rent Bureau has violated my consumer rights, the Fair Credit Reporting Act ( FCRA ), and the Fair and Accurate Credit Transactions Act of 2003 ( " the FACT Act '' ) in the handling of this matter. 

I have made numerous attempts to resolve the issue of the inaccurate information being reported on my credit report, yet these efforts have been met with no resolution. Specifically, Experian Rent Bureau is inaccurately reporting a delinquent account on my credit report, which is causing substantial harm to their financial and personal well-being. 

I submitted a dispute with your agency, requesting that you investigate the inaccuracies in the account being furnished by XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, Phone : ( XXXX ) XXXX. 
However, to date, we have not received any response from Experian Rent Bureau regarding this dispute or investigation. This lack of response is a clear violation of my rights under the FCRA, which requires credit bureaus to investigate and respond to consumer disputes within a reasonable timeframe. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) sets forth strict guidelines for debt collectors, including the requirement to provide notice to consumers before furnishing negative information to credit reporting agencies. Experian Rent Bureau has failed to adhere to these requirements, as there is no record of any such notice being provided to me or my attorney on file.

Under the FDCPA, credit bureaus and collections agencies are required to : 1. Provide notice before or within 30 days of furnishing negative information.

2. Provide notice with a notice of default, billing statement, or another item sent to the consumer.

3. Provide notice that includes the amount of the debt, the original creditor, and a statement of the consumer 's right to dispute the debt.

4. Provide consumer debtors certain rights of due process.

5. Follow reasonable procedures to obtain confirmation of the information from an additional source that has independent and direct knowledge of the information.

6. Investigate disputed information.

Experian Rent Bureau 's failure to conduct a proper investigation is in direct violation of these federal laws and regulations.

Moreover, it is apparent that Experian Rent Bureau has reported this debt to a credit reporting company without fulfilling its obligations under the FDCPA. Instead of conducting meaningful investigations into the accuracy of the reported information, it appears that furnishers, in general, often default to simply verifying the existence of an account. This practice is in direct contravention of the FCRA and the FACT Act.

I hereby request a thorough reinvestigation of this matter in accordance with the Fair Credit Reporting Act ; Im requesting that : 1. The Consumer Agency convey to furnishers the actual documents that support the consumer 's dispute, with failure to do so being per se unreasonable.

2. Furnishers must reinvestigate, rather than merely verify, the information in their records, including reviewing the actual documents provided by the consumer and, when appropriate, reviewing documents in the furnisher 's possession or the possession of others.

3. Furnishers must respond specifically and in detail to the consumer 's dispute, including providing enough material for the credit reporting agency ( CRA ) to evaluate the response and reach an independent conclusion.

Under the FACT 2003 Act. Requires that CRA must require furnishers to rebut a consumer 's specific disputes by providing documentation to the CRA that demonstrates the accuracy of the information furnished.

Furnishers should not be permitted to simply assert that the consumer is wrong and that the original information was correct.

Instead, the furnisher is obligated to provide the CRA with underlying information, including copies of documents with original signatures to rebut any forgery claims, copies of the payment record to establish the accuracy of the claimed balance, and copies of the initial notice regarding the account in question.

Experian Rent Bureau is required to thoroughly evaluate the data and reach its own conclusions based under the FCRA.

I would like to remind Experian Rent Bureau of its obligation to comply with the laws and regulations outlined above, which are designed to protect consumers like my client from inaccurate and damaging credit reporting practices.

If Experian Rent Bureau fails to take immediate and appropriate action to rectify this situation, I will have no choice but to pursue legal action on behalf of my client. My client 's consumer rights must be upheld, and it is essential that the inaccuracies on their credit report are promptly corrected.

I strongly urge you to investigate this matter thoroughly and provide a detailed response to my dispute within the legally mandated timeframes. Please acknowledge receipt of this letter and inform me of the actions you intend to take to resolve this matter promptly.

Additionally, I have the right to submit a complaint with the Consumer Financial Protection Bureau ( CFPB ) if we do not receive a satisfactory resolution from Experian Rent Bureau.

We will not hesitate to exercise this right if necessary.

I expect a prompt and reasonable resolution to this matter. I trust that you will take this matter seriously and act in accordance with the law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MI XXXX

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