Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Problem with XXXX XXXX XXXX is with the information they are reporting on my Credit Report. I submitted 3 dispute Letters under the FCRA 623 dispute process. In my 1st letter dated XX/XX/2020 and a 2nd Letter Dated XX/XX/2020 I pointed out inconsistencies in the reporting as it pertain to XXXX, XXXX, and Experian. There were reporting of XXXX different date of 1st delinquency, date of last payments, date of last activity being reported. This leads to 3 different dates of removal from the CRA. In my letter to XXXX  I spelled these inconsistencies out specifically and requested specific documentation to ascertain the true and accurate reporting for those areas I listed above. XXXX XXXX XXXX replied to my dispute letter on a issues that was never the contention of dispute. The fact of the matter is the account # XXXX is past the 7 years expiration date to be remove from my credit report. By XXXX reporting different dates and activities to the 3 Bureaus therefore their reporting is inaccurate. 
Under FCRA Sec. 623 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) ; Sec. 623 ( a ) ( 5 ) ( A ) and the Fact Act Law Im entitled upon written request to ask them to provide all documents that prove the legitimacy of there reporting of the 3 different versions for the same account. XXXX  must report the date of 1st delinquency, date of last payment date of major delinquency, date account closed, and payment history the same to all 3 Credit Bureau and they have not. For these reasons alone and only these reasons I disputed the reporting with XXXX XXXX XXXX XXXX  after first disputing with the Credit Bureaus and XXXX  inform them accounts was accurate when each Bureau has differents information on the account in question. So now since I believe that XXXX handling of my payments and account information has been negligent and in violation of the FCRA and the FACT Act Law I've requested from them 1. a copy of the written agreement that stipulates the terms for a delinquent account 2. The amount owed at the time account was closed 3. A copy of the last 12 billing statements mailed out prior to account being closed as to establish for myself the Date of 1st Delinquency and Date of Last Payment and last 12 statements prior to the date of last activity. 
4. State the maximum delinquency when account was charged off and closed 5. Provide documented record on when account became past due when it became delinquent 6. I need XXXX   describe and show the Date of 1st Delinquency, Date of Last Payment, Date of Major Delinquency First Reported, Date Account Closed, and Complete payment history up until the closure or charge off of account as reported to EACH OF THE 3 CREDIT BUREAU. 
7. I need XXXX  to include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. 

If your firm OUTSOURCES your METRO-2 data-entry provide the name, contact address and location of that firm. 

Does the responsible data-entry firm or department prescribe to the International Organization for Standardization IOS 9000 standards for quality and if so what is the adjunct certification  number and date? 

Please describe how your firm ensures comprehensive accuracy and input of all consumer data into the Metro-2 format and if there have been any recent issues ( last 4 years ) with data consistency or breaches in information transmission quality reported to you under your firms CRB agreement with any Credit Reporting Agency. 

Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this account is very high, therefore, please provide the LAST 4 Complete METR ) -2 updates submitted to all three Credit Reporting Agencies on this account ( In METRO-2 format including COMPLETE J-Segments and K-Segment with FULL End-Trace ). 
If you fail to provide all parts and requests of the information or documentation I have asked for, please stipulate why to each request including the authorized party that is refusing to comply or make such information available. I will understand that you are unable to confirm or document your claims but the reason or motive must be made clear including the responsible party under the tort law precedents of Respondeat superior. 

If XXXX can not produce ALL of the above noted documentation in the allotted time frame, I will accept a written NOTIFICATION that you are deleting account from CRA. Said notification must INCLUDE a formal stipulation that you WILL not continue reporting on this outdated account. The WRITTEN NOTIFICATION must also be provided to all the major Credit Reporting Agencies ( XXXX, XXXX, and Experian ). If you provide such written notification I will agree not to pursue immediate regulatory action and drop any further legal actions. 

This will serve as a final request before my intent to file lawsuit for violations of the FCRA and FACT Act Law. I know my rights as a consumer and i am entitled to request this documents. or if XXXX does not have the records or can not correct these errors on the CRA 's reports DELETE IMMEDIATELY will bring this matter to a conclusions

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