Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: TX
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:
This dispute is CLEAR and SPECIFIC. EXPERIAN FAILS TO FOLLOW THE LAWS CONGRESS CREATED TO PROTECT ME, THE CONSUMER, AGAINST UNFAIR PRACTICES FROM EXPERIAN and XXXX XXXX. My most recent dispute with Experian was closed on XX/XX/XXXX. I submitted the same account on numerous occasions due to the violations against me and my consumer rights. I notified Experian of the violations against me by XXXX XXXX. 
Experian does not follow the Fair Credit Reporting Act and consequently, they are repeatedly violating my rights, breaking the law, and causing me great stress, anxiety  and XXXX. 
Experian IS ALLOWING XXXX XXXX to report INACCURATE INFORMATION ON MY CONSUMER report. I provided evidence of the inaccurate reporting and Experian refuses to delete the account from my file. 15 USC 1681i ( a ) ( 5 ) ( A ) states that IF ANY information disputed by a consumer is found to be inaccurate, the consumer reporting agency shall, 15 USC 1681i ( a ) ( 5 ) ( A ) ( i ) immediately delete that item of information. 
I am providing in this dispute evidence that Experian received inaccurate information from XXXX XXXX XXXX and EXPERIAN FAILED to delete the information, even after it was disputed. 
XXXX XXXX reported that a payment was made on XX/XX/XXXX. 
XXXX  ALSO reported the account as 30 days delinquent for XXXX XX/XX/XXXX. 
XXXX XXXX reported XX/XX/XXXX as paid on time but suddenly changed it in XX/XX/XXXX when they charged off the account. XXXX XXXX reported the account as 30 days past due for XXXX while simultaneously reporting payment received in XXXX. In XXXX, Experian allowed XXXX to report the last payment received as XX/XX/XXXX but reported the account at 60 days delinquent. 
Experian was provided with this inaccurate information and failed to delete the information. When I disputed the harmful lies and inaccuracies, Experian failed to maintain my consumer report in a fair and equitable manner, with regard to the confidentiality, accuracy, relevancy, and proper utilization of my consumer report. 
Experian IS breaking the law and violating my consumer rights by not properly conducting an investigation Pursuant to 15 USC 1681i ( a ). Experian receives the dispute and provides all details to the company furnishing the information on my credit report. Experian told me that they do not determine anything nor do they look at the information. Experian made it clear that they provide the information to the furnishing company, and that company is the one who makes the decision about the dispute. 15 USC 1681i ( a ) ( 4 ) says that the consumer reporting agency MUST with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer. Upon their discovery of the inaccuracy, it must be deleted from my consumer report and I am demanding this account be removed. This account has been violating my FCRA rights for far too long and Experian continues to violate my rights. This is no longer going to be tolerated and in accordance with Congress, this needs to be corrected.

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