Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently, I requested my consumer credit report maintained by your agency and discovered numerous unverifiable, invalidated and questionable items that your agency didnt make sure were reporting 100 % correct. This has caused me pain and suffering, including recission of job offers, severe XXXX, stress, anxiety and other undue hardships. As a consumer by law, I have rights that are being violated by your negligent actions. 

Under 15 U.S. Code 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. Under 15 U.S.C. 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and/or the information listed below from my consumer report : 1. XXXX XXXX # 13** This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. 
2. XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. 
3. XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. 
4. XXXX XXXX XXXX # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error.

( Continued on Next Page ) 5. XXXX XXXX # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. Additionally, under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments, there should be no late payments on this account. Furthermore, the creditor failed to provide adequate redemption period after repossession to resolved alleged outstanding balance and unless irrefutable proof is provided otherwise, the account must be removed under the Fair Credit Reporting Act.

6. XXXX XXXX # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error.

7. XXXX XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error.

8. XXXX XXXX XXXX ACCOUNT # XXXX This account is reported in violation of 15 U.S. Code 1666 ( b ) Billing Error. I always paid as agreed and I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late because this clearly a billing error. Furthermore, starting in XXXX of 2017, the creditor prevented me from making payments on the account as the consumer acting in a co-borrower capacity on the account was undergoing Bankruptcy proceedings and the debt was ultimately discharged and included in their consumer bankruptcy proceedings.

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