Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: TX
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 CFPB is allowing Experian, XXXX and XXXX run them and they are currently negligently and willfully violating the Fair Credit Reporting Act ( CRA XXXX by not deleting a court-ordered- dismissal off my 3- Reporting Credit Agencies and updating my score. 
As I understand it, the statutory reinvestigation procedure for CRAs provides in relevant part : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
REQUESTING : REMOVAL OF CREDITOR from EXPERIAN, XXXX XXXX XXXX from my reports and UPDATE Score EVIDENCE : COURT ORDERED DISMISSAL ( attached ) I, XXXX XXXX request cfpb and credit agencies abide by XXXXs request to NON-SUIT/DISMISS this case- Please remove XXXX from my file IMMEDIATELY. 
The case XXXX has against me ( saying I owed them ), has been non-suited by XXXX and completely DISMISSED by a Court of Law ( at the request of XXXX XXXX. Experian, XXXX and XXXX did not and could not have verified anything as it was the creditor XXXX XXXX XXXX who Non-Suited this case to begin with and asked courts to dismiss- This case against me was DISMISSED!!. 
I request this false, negative information be immediately DELETED from my report and my score updated ; as this negative information is affecting my business, my general welfare, and FICO score. 
Moreover, I am aware the CRA must promptly notify the data furnisher of any disputed information, and the CRAs notice to the furnisher must include all relevant information regarding the dispute that the CRA has received ( See previous cases ) In conducting your reinvestigation, I suggest you follow the CRA policies and consider and review all relevant information submitted by the consumer. Id. 1681i ( a ) ( 4 ). Moreover, information in a consumers file ( MY FILE ) which is found to be inaccurate must be promptly deleted or modified, and the CRA must notify the furnisher of the information. Id. 1681i ( a ) ( 5 ). 
Please DELETE XXXX from my Experian, XXXX and XXXX reports immediately and UPDATE my credit File/Score. 

If XXXX wants to re-address this alleged debt, they can re-sue me but for now this case lawfully needs to be removed completely off my credit reports and my score updatedPER the LAW ... 
Respectfully, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/1971 SS # 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