Consumer complaint received 2022-07-17
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:
XXXX  XXXX XXXX ACCOUNT # XXXX BALANCE DUE : {$2000.00} DATE OPENED : XX/XX/2015 XXXX. Compliance procedures [ 15 U.S.C. 1681e ( B ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I received my dispute results back from Experian and its still showing inaccurate information for XXXX XXXX XXXX XXXX. Experian is saying that they have correct validated information and that it MEETS REQUIREMENT OF THE FAIR CREDIT REPORTING ACT.. I have original documents with correct information where are u getting your data from.. youve been in complete violations of Multiple laws for over 7years Account number incorrect. Open date incorrect. Balance is incorrect.. why did the balance change after 7years also reporting a charge off every month for 7years.. delete this account its not accurate 1.DATE OPENED INCORRECT 2. RECENT BALANCE INCORRECT 3. ACCOUNT NUMBER INCORRECT 4. CREDIT AMOUNT INCORRECT 5. REPORTING A COLLECTION EVERY MONTH FOR 7YEARS 6. DOES NOT MEET REQUIREMENT OF THE FAIR CREDIT REPORTING ACT

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