Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
I reviewed an updated credit report on XX/XX/XXXX and I saw entries from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

They sent me responses through email which I never requested. This is something they instituted on their own and I never signed up on. I really believe they were just trying to beat the 30 day deadline, instead of doing the full investigation like I asked/ requested. I received a response from them XX/XX/XXXX. It basically was their normal response. The information you disputed has been verified as accurate or the company that reported the information has certified to Experian that the information is accurate. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter.

FCRA 607 ( b ) states 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. If XXXX has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy.

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX  ). XXXX & XXXX removed the items in question listed in my credit file but did not provide me with the results of the investigation either. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I sent my XXXX results to Experian again and on XX/XX/XXXX, XX/XX/XXXX, which is beyond the 30 days allowed by law, I received the very same response except with a fraud warning this time, disclosing what I should do if this was a result of identity theft. It basically was their normal response again. The information you disputed has been verified as accurate or the company that reported the information has certified to Experian that the information is accurate. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me again at all even after I demanded the full scope of the investigation in my letter.

If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it.

All this correspondence I will be including for you as well. All these should be removed because of the following : XXXX XXXX never validated or verified in violation of the FDCPA and FCRA, XXXX XXXX didn't even know who I was, XXXX XXXX never responded to my letter and XXXX XXXX went out of business were they were located in XXXX XXXX and never responded to the late pay I questioned.

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