Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a dispute XX/XX/XXXX disputing information on my credit file. I also requested the method and means of the investigation into these items which I believed was my legal right. See example below from FCRA section 605.

The Investigation wasn't completed until XX/XX/XXXX and I was not forwarded the results of the investigation and/or the procedure used to verify the information. The same items were removed from my XXXX and XXXX credit files during the complaint to CFPB. 

These are the items I disputed and asked for the investigation process : Creditor : US BKPT CT CA XXXX XXXX acct # XXXX Not mine and the address identifier is my mom address and she filed chapter XXXX Creditor : XXXXt acct # XXXX account was closed in XX/XX/XXXX like the previous account and was not in bankruptcy Creditor : XXXX XXXXXXXX XXXX XXXX acct # XXXX this account was never late 30 days but was late 21 days and submitted docs as proof Creditor : XXXX acct XXXX XXXX account was never late like previous account with them. states incorrectly that this account was included in bankruptcy in XX/XX/XXXX. The credit report says bankruptcy was filed XX/XX/XXXX Creditor : XXXX XXXX XXXX acct # XXXX account was purchased by XXXX XXXX on XX/XX/XXXX and paid in full by me with them. account shows included in chapter XXXX on XX/XX/XXXX. These bankruptcy shows 13 different from all the others and the bankruptcy being incorrectly reported on my report. 


( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions. No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ) of this

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