Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, XXXX, and XXXX for their failure to properly reinvestigate my dispute and provide the method of verification when requested in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I sent a dispute letter to all 3 bureaus mentioned above regarding the account XXXX XXXX # : XXXX appearing on my credit report. The dispute letter detailed several grounds for factual dispute of the account ( list provided below ). However, Experian, XXXX, and XXXX failed to properly investigate the dispute and instead verified the inaccurate information. I subsequently sent a letter requesting the method of verification in accordance with Section 1681g ( a ) ( 1 ) of the FCRA, but Experian, XXXX, and XXXX failed to provide the requested information. This failure to properly reinvestigate my dispute and provide the method of verification has resulted in inaccurate information being reported on my credit report, which has damaged my credit score and prevented it from improving despite my efforts to resolve the several inaccuracies on my credit report. Furthermore, I would like to highlight that XXXX has only reported late payments for this account and has not reported any data for on-time payments. This may be considered incomplete or inaccurate reporting under Section 1681e of the FCRA, which requires credit reporting agencies to report accurate and complete information about consumers ' credit histories, including both negative and positive information. XXXX XXXX # : XXXX I have provided documentation of the inaccuracies ( attached ). Here is a detailed explanation of the inaccuracies : High Balance : Charge off listed with high balance of {$2100.00} on XXXX and {$1900.00} on XXXX. Inaccurate, delete immediately! 
Outdated information ( date : Date of last activity inconsistent and inaccurate across all 3 CRAs. Reporting as XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Inaccurate, this manipulates the time this account remains on my credit report, delete immediately! 
Incorrect date opening : Date of opening inconsistent and inaccurate across all XXXX CRAs. Reporting as XX/XX/XXXX or XX/XX/XXXX, Inaccurate, delete immediately! 
Accounts that are incorrectly reported as late or delinquent : inconsistent and inaccurate across all 3 CRAs. Reporting CO every month XXXX and Experian, but not XXXX. These accounts should not be reporting CO every month. 
Dispute Status : XXXX and Experian have account not disputed but show dispute remarks in the creditor remarks column. This shows they have received my disputes, but have failed to do a proper investigation into the matter. 
Date of Last Payment : Listed as XX/XX/XXXX and XX/XX/XXXX. How can I make a payment in XXXX, but my last date of activity be in XXXX. Inaccurate, delete immediately! 

As you see by my provided 3B report, there still remain SEVERAL inaccuracies and inconsistencies across all 3 bureaus on this account. I disputed this account for inaccurate reporting. The response I received was that these companies verified the information on my credit report was accurate. This is false. I requested a re-investigation. The inaccurate information remains on my report despite my several attempts to remove this inaccurate information from my report. The specific code and section of the FCRA that state that a CRA must remove inaccurate information from a consumer 's report is Section 1681i ( a ) ( 1 ) ( A ). I included this in my letter to the CRAs. This section requires the CRA to promptly delete or modify any information on a consumer 's credit report that is inaccurate or can not be verified. In light of these facts, I am requesting that Experian, XXXX, and XXXX take immediate action to correct the inaccurate information on my credit report and provide me with the method of verification as requested in accordance with the FCRA. I am also requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian, XXXX, and XXXX comply with the FCRA in the future. Thank you for your attention to this matter. Sincerely, XXXX XXXX This can be submitted in combination for disputing this account across all 3 CRA 's. This is to provide the CFPB additional information on how these 3 agencies have failed and violated my consumer rights. 
Kindly, XXXX XXXX XXXX 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