Consumer complaint received 2023-01-23
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 submitted a dispute to Experian in written format dated XXXX XX/XX/XXXX. They received my request on XXXX XX/XX/XXXX and open the disputes on XXXX XX/XX/XXXX. Experian continues to not fully investigate disputes per 15 US Code 1681 5 ( a ) ( I ) ( ii ) : ( 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

For my dispute with XXXX XXXX, the investigation was completed in 4 days. They did not provide me with any of the original documents even though I provided them with documents and items that proved inaccurate information being reported. They continue to rely on what the company says accurately. Sending the request by a computer and then accepting the company response is not an investigation. This is why the law gives them 30 days plus extension days if needed. A 4-day completion is not a thorough investigation at all. They are supposed to conduct an investigation by law on disputed items. They are supposed to ensure that proper information is being reported so that citizens will have accurate and truthful credit reports. They are required to delete inaccurate records but yet they continue to keep false information on my file. For this file I pointed out that the account type was inaccurate, the balance listed is inaccurate, remarks section is inaccurate. I also pointed out that this company released my information without my knowledge or signed consent which is also a violation of US Code 1681 ( b ). Yet they accepted the validity of the company with no due diligence, which violates the law. 

My dispute against XXXX XXXX was updated. That is not what the law states. The fact that they allow a company to update inaccurate information is in direct contradiction or the purpose of the dispute. Instead of removing the information they again catered to the company, not the consumer. They have participated in fraud by deliberately updating inaccurate information on my credit report instead of following the law. Experian is a consumer reporting agency bound by law to ensure that consumers are treated fairly. Experian completed this dispute investigation in 5 days. I provided them with inaccurate information about the balance, the account status, and payment history but instead of deleting the record they catered to the reporting company by updating it. This is not how an independent agency works. 

For my dispute with XXXX XXXX XXXX, they again failed to follow the law. It took them 8 days to just accept the validation. As previously stated, they are in violation of US code 1681. Disputes are not submitted to help the company or for Experian to play favorites to the reporting company.

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