Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian will not properly investigate my factual disputes. They have ignored the Fair Credit Reporting Act laws governing investigation my disputes. As of the date of this complaint, Experian continues to violate my rights by not reviewing for completeness or accuracy. 

After submitting my disputes, Experian sent an email to me noting the following : According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item Experians email further states, if, after processing we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information They have never provided me with any evidence, documents, bank records, payment history, contracts bearing my signature, or any other records from furnishers or anyone, to support their opinions that my disputes for incorrect items, based on the reports they provided me, are accurate. 

In each of the accounts, outlined below, Experian did not review for accuracy and completeness. They did not delete unverifiable information, accounts, or anything they promised that they would. They did not follow the law as outlined in FCRA. 

XXXX Acct XXXX Experian states this account is accurate while it reports 34 charge-offs after it was closed!! It is updating monthly. This is not accurate. A proper investigation would have corrected or deleted this item. The have not performed their role to review for accuracy and completeness. They have not provided me any proof that this could be accurate. 
XXXX XXXXXXXX Acct XXXX I have a right to have access to a complete and accurate report. Experian states that they will provide one. This was disputed, for inaccuracy because the account is missing its highest balance, monthly payment. A dispute for a reported missed payment could not be proven, but still remains. 
XXXX XXXX Acct XXXX XXXX I have a right to a complete and accurate report. This account was never updated or removed, even though it is inaccurately reporting no payment history except for one month. If this was investigated properly, the correct and complete payment history would be reflected. Experian did not review this account for accuracy and completeness XXXX XXXX XXXX  Acct XXXX Experian states that they will remove ( required by FCRA ) unverifiable and inaccurate information. They are still reporting this inaccurate account with over 6 months of activity - after is was closed! 
XXXX  Acct XXXX Repeated requests to have the account update to reflect correct and complete payment history. Account still inaccurately reports one month of payment history. 

*XXXX XXXX XXXX, LLC Partial Acct # XXXX : Experian will not help me reconcile information regarding this account reporting on my credit file. They will not investigate or provide any information that will support their opinion on this account. 

Here are the serious violations which are relevant to this complaint. 

1. Failure to send me a complete and accurate credit report 2. Failure to properly investigate my disputes 3. Failure to provide me, when requested, information relevant to the investigations 4. Failure to conduct a reasonable investigation 5. Extending my dispute investigations longer than legally permitted 6. Failure to update, correct or delete inaccurate or unverifiable information on my credit report 7. Knowingly inserting incorrect activity on my paid and closed accounts after theses accounts were closed 8. Failure to consider and review all relevant information in my disputes

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