Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: MD
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:
This is my formal complaint against Experian who has violated the Federal Credit Reporting Act ( FCRA ),  by ignoring my request to investigate inaccurate information on my credit report. I have submitted multiple requests to investigate the inaccuracy of the account in question, as well as given them more than 45 days to complete a reasonable investigation under these economic circumstances. 
On XX/XX/2020, I sent a certified letter to Experian advising them that they were reporting inconsistent and wrong information on the XXXX XXXX account. The open date, date of last payment, and the date of last activity were reporting different information from what the other credit bureaus were reporting. Furthermore, the closed date was missing and not reporting at all and it should be. Instead of following their process for investigation, Experian ignored my request and advised me to refer back to an investigation that was completed 5 months earlier. If you look at the evidence Ive submitted with this complaint, I specifically told Experian that my dispute from 5 months earlier was due to me trying to validate an account that I wasn't sure was mine or not. So on XX/XX/2020, I sent a certified follow-up letter to Experian clarifying that the investigation 5 months earlier was not the same reason I was currently disputing. Again, Experian ignored my investigation and told me to refer back to dispute results that were given 5 months earlier. 
On XX/XX/2020, is when I sent my final communication to Experian giving them the opportunity to remove this inaccurate account or start a reasonable investigation. Experian advised me again that they were not going to investigate unless they have additional information. 
On XX/XX/2020, I sent a certified communication to XXXX XXXX advising them that information was reported inaccurately, I was very specific with what I was asking them to dispute and verify for me. XXXX advised me that they could not verify any information on this account because they no longer have this account in their office. They also advised me that they have not been verifying any information to the credit bureaus because they no longer have the account. So how is Experian able to investigate an account with XXXX who no longer have access to this account. 
Its clear that Experian is deliberately reporting inaccurate information in efforts to keep me at a weaker profile to increase profits through the selling of my profile to high-interest furnishers. This is a violation of the FCRA Accuracy and Integrity Rule, which states that furnishers have a responsibility to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of the information you provide. Furthermore, the rule states its illegal to report information that Experian know or believe is inaccurate or have " reasonable cause to believe '' that information is inaccurate if you have knowledge that would lead a reasonable person to doubt the accuracy of the information. Experian has more than a reasonable cause to believe the account is inaccurate, they just choose not to investigate it. 
I provided screenshots of how they are reporting XXXX account and how XXXX  is reporting the same account, which clearly shows that both XXXX and Experian are reporting different information for the same account. Ive also sent Experian a copy of the letter and certified receipt sent to XXXX, showing that I also reached out to the furnisher for additional information. 
This has taken up too much of my time and it has taken over 7 months to no avail. The pandemic is already causing uncertainty and chaos to my life and I now have Experian adding even more emotional distress. I have no other choice but to file a complaint with CFPB for deceitful, deceptive practices, and consumer violations. I have attached each communication sent to Experian and XXXX as well as my notarized Statute of Declaration, stating the facts about this account that Experian continues to ignore.

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