Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A dispute was sent to Experian on XX/XX/XXXX. The dispute that was sent in was to open the following disputes : 1. Accounts : XXXX XXXX XXXX ( this is how you have the account number listed on my credit report ). The account type is inaccurate and needs to be removed. 
The balance is inaccurate and needs to be removed. The No. of months ( term ) is inaccurate and needs to be removed. Payment history is inaccurate and needs to be removed. I printed and attached my 3-bureau report so I can further prove the following inaccuracies. XXXX  does not report and data for an XXXX XXXX Account. 
Experian and your bureau ( XXXX  ) has two different payment histories. In XX/XX/XXXX, you have my payment history as 60 days late, but it is on time with Experian. 
There is multiple payments like this. How is this accurate and complete reporting? This accounts meets every FCRA violation and I am demanding it be removed. 
2. Accounts : XXXX XXXXXXXX ( this is how you have the account number listed on my credit report ). The account type is inaccurate and needs to be removed. The monthly payment is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. The last reported is inaccurate ands needs to be removed. The date last active is inaccurate and needs to be removed. 
Payment history is inaccurate and needs to be removed. I printed and attached my 3- bureau report so I can further prove the following inaccuracies. How is this accurate and complete reporting? This account meets every FCRA violation, and I am demanding it be removed. 
3. Accounts : XXXX XXXX ( this is how you have the account number listed on my credit report ). The account type is inaccurate and needs to be removed. How is XXXX wireless an installment loan? FCRA has defined an installment loan as something different. The monthly payment is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. The last reported is inaccurate ands needs to be removed. The date last active is inaccurate and needs to be removed. 
Payment history is inaccurate and needs to be removed. The account status is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. I printed and attached my 3-bureau report so I can further prove the following inaccuracies. How is this accurate and complete reporting? This account meets every FCRA violation, and I am demanding it be removed. I have highlighted your areas of inaccuracies. 
4. Accounts : XXXX XXXXXXXX ( this is how you have the account number listed on my credit report ). The account type is inaccurate and needs to be removed. The monthly payment is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. The last reported is inaccurate and needs to be removed. The date last active is inaccurate and needs to be removed. Payment history is inaccurate and needs to be removed. The account status is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. XXXX  has not account associated with me that belongs to XXXX. You have payment history for XXXX. How is date last active XX/XX/XXXX, but you have payment history for XXXX? Thats makes no sense. I printed and attached my XXXX-bureau report so I can further prove the following inaccuracies. How is this accurate and complete reporting? This account meets every FCRA violation, and I am demanding it be removed. I have highlighted your areas of inaccuracies.

5. Accounts : XXXX XXXX ( this is how you have the account number listed on my credit report ). The account type is inaccurate and needs to be removed. The monthly payment is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. The last reported is inaccurate and needs to be removed. The date last active is inaccurate and needs to be removed. Payment history is inaccurate and needs to be removed. The account status is inaccurate and needs to be removed. The payment status is inaccurate and needs to be removed. XXXX  has not account associated with me that belongs to XXXX. You have payment history for XXXX. How is date last active XX/XX/XXXX, but you have payment history for XXXX? Thats makes no sense. I printed and attached my 3-bureau report so I can further prove the following inaccuracies. How is this accurate and complete reporting? This account meets every FCRA violation, and I am demanding it be removed. I have highlighted your areas of inaccuracies.

The only disputes Experain opened was XXXX. The problem I have is, I clearly outlined each inaccuray with the accounts I want disputed. According to the FCRA, if I spot and inaccuracy, I have the right to dispute it. With that being said this is has been an ongoing issue with XXXX. I will point out inaccuracy after inaccuracy with no viable solution on their end.

Here is a list of FCRA violations by Experian : 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i 59 ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) 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 in accordance with paragraph ( 5 ), 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.

( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

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