Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: PA
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:
The Fair Credit Reporting Act ( FCRA ) in 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] gives me the right to formally request a dispute or re-dispute regarding inaccuracies on my credit file. I have a right to submit these disputes to the credit reporting agencies ; Experian, Equifax, and Transunion.

The Act has a provision that requires the credit reporting agencies to promptly provide all " relevant '' information they have received regarding disputes - to the consumer.

From the FCRA : ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I have contact Experian numerous times over the past several months via phone, certified mail, regular mail. In most cases, I was given inaccurate information that is in violation of the Act, information that was inconsistent with previous calls with them and information that clearly denies me my rights to dispute under the act. 

Over the past several months, nearly for the same accounts, I have attempted to get details that are missing from my report regarding these accounts. In some cases, the information is inaccurate, in many instances it is incomplete. Some creditors whom I have had multiple accounts with omit reporting information on one account, while including it on another.

I have disputed, re-disputed with Experian. I have disputed with documents, re-disputed with documents, disputed/re-disputed online with documents. I have sent disputes via reg mail, certified mail return receipt. In cases where documents were submitted, I included copies of my credit report, highlighting the inaccuracies on the items in question. For example, where XXXX XXXX reported details on one account, I would send a copy of my report noting an inaccuracy or incomplete item. In several instances, creditors have reported accounts closed or paid off, but omitted details that are required for accurate reporting such as, where applicable, " highest balance '', " last payment '' " last payment date ''. 

There are more than 5 companies that I have open disputes with. ( e.g., XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ). In nearly everyone one of these disputes - some pending again now! - Experian has either denied me my rights that are outlined in the FCRA by ( a ) not investigating the dispute ( b ) closing out the dispute with " updated '' only to show the exact same details that were noted before the dispute. In other words, it appears that Experian is not investigating my disputes and obtaining details from the creditors to update my file. If they are investigating properly and legally, then based on my disputes, the creditors have failed to provide adequate updates, and therefore, the items - more than 7 - should have been deleted. Instead, because Experian never investigated some of these items, they are only replacing the data with the same information - pre-dispute. 

In my last conversation with a representative ( XXXX ), who stated she was on a recorded line ( XXXX ), she informed me that " the information they " receive is from the company.. '' I explained that if that is true, then according to the law, then Experian must delete all closed, paid XXXX XXXX accounts XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX and any other account where by I have disputed requesting details missing or inaccuracies. I asked for a supervisor and she said they were " in meetings ''. 

I have, on occasion, received formal letters from Experian stating that " unless I have additional information.. '' ( paraphrase ) regarding a particular dispute, that they will not pursue/investigate the matter. In other words, the fact that I have a right to dispute inaccuracies is not considered with Experian. 

*I have attached examples of Experian 's dispute " results '' for two accounts which show omissions. No updates from creditor.

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