Consumer complaint received 2020-04-28
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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint with CFPB against Experian for a violation of 15 USC 1681i. ( XXXX ) Experian 's response did not address the issues underlining the complaint which was deleting the account, because Experian failed to verify with the original creditor per FCRA 611 & 15 U.S. Code 1681i.Procedure in case of disputed accuracy. " ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( 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 ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ) '' Instead Experian responded to the CFPB complaint by stating they will contact the furnisher for the information. " Thank you for submitting your complaint on XX/XX/2020, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the three attachments, you have supplied through the CFPB portal and directly to Experian. At your request to begin a reinvestigation we are in the process of contacting the data furnishers, as needed, to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the results summary will be provided directly to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office name who verified that information. According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to conduct a thorough and complete investigation to verify all of the information regarding the item you disputed, and report back within 30 days of the date that we received your request ( 21 days for Maine residents and 45 days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information, as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. A national consumer credit reporting agency stores information from credit grantors, collection companies as well as public record information that includes bankruptcies, judgments and liens. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, with the exception of Chapters XXXX, XXXX  and XXXX  bankruptcies and unpaid tax liens, which remain for up to 10 years. A paid tax lien will remain for up to seven years from the date paid. Positive information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. Please note that there is nothing a credit repair company can do for you,  including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, to speak with a representative, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX, or by our document upload service : experian.com/upload. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with Experian. '' I did not ask for a re-investigation. I've already given Exerperian several opportunities to correct this error and delete it from my report for not being able to verify it. I've even sent documentation from the original creditor XXXX XXXX that they no longer have the account, therefore, could not verify any information on it. I requested a deletion not a re-investigation.

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