Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The collection agency is blaming you and you are blaming them. I have not gotten any results with your actions. I will like for you to investigate this matter to the full extent. Read the documentation I have attached.15 USC 1681 states, " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' Yall both are participating in this allegation, and I want to have my attorney general involved if you don't honor the law. You understand that the lenders depend on you for accuracy according to the law being stated and by your errors, its undermining the public confidence such as banks and apartments. I can not move due to your carless errors. This account remains inaccurate after every dispute investigation which means in the investigation of e-Oscar are not performing very well and are not lawful. You are supposed to contact neighbors and other sources to verify the debt. I am wanting to know when are yall going to own up to mistakes and pay me and delete the account. I have attached the collection agency statement about your actions and the credit reports before and after investigation. XXXX ( XXXX ) - ( XXXX ) XXXX Upon inspecting Past Due Amount ( XXXX ) exhibiting {$35000.00}. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity. 
for you to show me proof of your adherence to applicable compliance standards for this particular account. Lets examine XXXX XXXX ( XXXX ) showing {$35000.00}. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX When I scrutinized Date Opened ( XXXX ) presenting XX/XX/2019 I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at XXXX. There seems to be some discrepancies and I would like them resolved. 
immediately! Lets examine High Balance ( XXXX ) showing {$1000.00} I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so, then clearly my credit report which relies on accurate information will also not be accurate! 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX When I scrutinized Account Status ( XXXX ) presenting Derogatory. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant Viewing Payment Status ( XXXX ) demonstrating Collection/Chargeoff. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?

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