Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuant to 15 U.S. Code 1681i ( 1 ) ( A ) ( B ) ( C ) this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.

Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. This is a DEMAND FOR MONETARY RELIEF as prescribed by law for EXPERIAN violating the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. 

On XX/XX/XXXX, XXXX Representative XXXX XXXX, XXXX, SC, asked the CFPB to investigate Experian, XXXX, and XXXX for allegedly failing to address consumer disputes during the pandemic. Representative XXXX appointed a Select Subcommittee that found evidence that the Three Major Credit Reporting Agencies did not properly investigate and discarded consumer disputes.

The Select Subcommittee also found that the Three Major Credit Reporting Agencies referred more than half of the disputes to data furnishers for investigation between XXXX and XXXX. This is a violation of the FCRA because the Three Major Credit Reporting Agencies are required to conduct their own independent investigations of consumer disputes.

Data furnishers, the providers of credit information, such as credit card companies and lenders have been cited in the past by the CFPB for conducting insufficient investigations. The bureau also cited the Three Major Credit Reporting Agencies for accepting these findings without an independent investigation. 
I have filed several disputes concerning false, inaccurate, and misleading information on my Experian personal consumer reports. I requested that the disputed accounts be DELETED due to FCRA violations and violations of Louisiana State Law. The findings of Representative XXXX XXXX XXXX is undeniable proof Experian is violating the FCRA. Experian is also engaging in fraudulent, deceptive, and unfair business practices by violating the FCRA and Louisiana State Law pursuant to La R.S. 51 : 1401 et seq. 

XXXX XXXX XXXX XXXX XXXX United States XXXX XXXX XXXX, XXXX XXXX. XXXX. Decided : XX/XX/XXXX, states when a CRA ( Credit Reporting Agency ) receives a dispute from a consumer they have to go beyond the original source of the information to meet the maximal accuracy standard of the FCRA. In a reinvestigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. Id. ( citing XXXX XXXX Credit Bureau of XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) ). 

Experian prepares and publishes my consumer report and is knowingly and willfully providing false, inaccurate, incomplete, and misleading information because I have notified them several times about the inaccurate information. Experian is illegally reporting false, inaccurate, incomplete, and misleading information on my Experian consumer report which has damaged my reputation, character, and credit worthiness. 
In accordance with 15 U.S. Code 1681c-2 ( a ), you are hereby provided notice for the demand of an immediate cease and desist of reporting ; and removal of the following alleged debtors/creditors ( herein after referred to as organization ( s ) ) : IDENTIFICATON OF INFORMATION PURSUANT TO 15 U.S. Code 1681c-2 ( a ) ( 3 ) 1. XXXX XXXX XXXX XXXX XXXX XXXX  2XXXX XXXX XXXX XXXX.

STATEMENT PURSUANT TO U.S. Code 1681c-2 ( a ) ( 4 ) EXPERIAN is ILLEGALLY reporting and publishing inaccurate, incomplete, and misleading information on my Consumer Report. Experian violated State and Federal Laws governing Credit Reporting. Those laws clearly state that due to Experians violations the above listed Accounts must be DELETED. In accordance with State and Federal Laws, you are hereby demanded to DELETE the aforementioned Tradelines that are being ILLEGALLY reported and published to the consumer report bearing the name XXXX XXXX XXXX immediately. 

Therefore, Pursuant to 15 U.S. C. 1681n - Civil liability for willful noncompliance. You are hereby commanded to ( 1 ) DELETE the disputed accounts, ( 2 ) send a check in the amount of {$50000.00} payable to the order of XXXX XXXX. XXXX. 

If these demands are not met within the time prescribed by law, an immediate action will be filed against your agency, whereas if such agency does not act, they may also be liable to the consumer, and we shall seek to recover any damages. These demands are made in accordance with State and Federal Law. 

This ILLEGAL reporting by Experian constitutes a violation of my rights under the Fair Credit Reporting Act 604. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], the disputed accounts must be DELETED from my consumer report within 5 days of receipt of this affidavit.

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