Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint through CFPB against Experian on XX/XX/ for inaccurate reports and discrepancies reported on my Experian credit report. I received a response from Experian on XXXX stating they have did their part of the investigation and the account is verified as accurate which is completely false. The following month on XXXX my credit report still showed the date opened was still incorrect, the last reported date was still incorrect, date last active still incorrect, date of last payment still incorrect, and the account comments were never updated with in dispute like the law says its supposed to after a dispute is filed. I then checked my credit report 2 months after that on XXXX  and still seen incorrect reporting and discrepancies on my credit report with Experian regarding XXXX XXXX. Experian has failed to provide me with proof of how a proper investigation was conducted within the 30 day time frame the law allows. Late payments are reporting on the account which is not legal because company did not comply with 15 USC 1666b - Timing of payments according to 15 USC 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by SECTION 1637 ( B ) OF THIS TITLE is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. so if late payments were reported and in dispute Experian was supposed to contact the data furnisher for proof of statement of financial late charge to be sent no later than 21 days before the date specified in the statement. Experian failed to conduct a proper investigation within 30 days and that is a major violation of my rights to fairness and accuracy. I request Experian to remove to account in question from my credit report immediately and I request Experian to send me a paper check of {$1000.00} to my mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the statutory damages. 
As a result of your conduct described above, you shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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