Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: MO
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:
To whom it may concern at the CFPB, I have been disputing with Experian since XX/XX/XXXX trying to remove some accounts that have multiple inaccuracies but Experian states each and every time that the accounts have been updated but not deleted. Now here is the problem if Experian updated these accounts but nothing within these accounts have changed, according to the FCRA section 623 ( A ) ( 1 ) ( a ), what was updated and why hasnt the date last reported date changed? Each time an account is disputed there should be 2 things that change, the date last reported, proving that an investigation / re-investigation has taken place, according to the FCRA 623 8 ( A ) and section 611 ( A ), and the entry of the required notice of dispute, according to FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), correct? I am sorry to say that these 2 fields havent changed reflecting the investigations into these disputes in the last 3 months. 

Please examine the XXXX XXXX credit reports from XXXX, XXXX and XX/XX/XXXX, in the attachment named visual proof, and you verify that these fields has not changed nor has any other data has changed at all within the last 3 months, which is a violation of the FCRA section ( A ) ( 1 ) ( a ),. I took the liberty to create a 4th account box that has all the information including the 2 year payment histories of each account and it is found after the XXXX XXXX credit report of this account dated XX/XX/XXXX. I am attaching the letters I sent to Experian with the signed and dated return receipts as an attachment called letters, for proof of my disputes and the last 3 months of the XXXX XXXX  credit reports showing each of these accounts and highlighted text showing these 2 fields that were not changed down below in the attachment called visual proof. I am requesting that you, the CFPB, investigate these accounts and Experian for blatant and maliciously attacking my credit, my life, my childrens lives and me by refusing to complete an investigation according to the FCRA section 623 8 ( A ) and the FCRA section 611 ( A ), failure to to do an independent investigation when asked by me according to the FCRA section 623 8 ( A ) and the FCRA section 611 ( A ), failure to change/delete an account after being shown numerous times the false and inaccurate data on my reports according to the FCRA section 623 ( A ) ( 1 ) ( a ), failure to provide documentation when I asked specifically for it according to the FCRA 611 ( 6 ) ( B ) ( iii ) and section 611 ( 6 ) ( A ), and failure to notify other investors of my current disputes by not placing the required notice of dispute in the comment section after the 30 day period after they first received my dispute as according to the FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), all of these are hurting me financially, emotionally and physically by raising my stress levels and causing my XXXX to reach and stay way out of control. Furthermore, there are some accounts that have been re aged and according to FCRA 605 ( a ) and ( b ) this is a violation.

The following is a list of accounts that I am requesting you, the CFPB, to investigate with you and also performing an investigation against the credit bureau known as Experian for multiple violations as listed above. Again to see all the letters with the signed and dated return receipts please view the attachment called letters and to see visual proof from XXXX XXXX showing that there were never any changes made to these accounts, that there was never any investigations done within the last 3 months and to view and examine the missing required notice of dispute see attachment called visual proof. Also you can see and verify that there was never any changes made to these accounts in the last 3 months therefore how was my accounts updated as Experian has stated in their investigations reports ( see attachment called investigation reports. Furthermore, I attached 4 credit reports dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, see attachment called credit reports, where you can also see that none of the data has been updated, a violation according to FCRA section 623 ( A ) ( 1 ) ( a ), there are no notice of disputes in any of these accounts over 6 months, another violation according to FCRA section 623 ( A ) ( 3 ) and the FDCPA section 806 ( B ), there was never any investigations done according to all the last reported dates saying XX/XX/XXXX, another violation according to the FCRA section 623 8 ( A ) and FCRA section 611 ( A ) and failing to update or delete data that is inaccurate and being shown that this data is inaccurate, a violation of the FCRA section 623 ( A ) ( 1 ) ( a ). Moreover, the accounts of XXXX XXXX XXXX XXXX XXXX  XXXX / XXXX XXXX XXXX XXXX : {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX : {$3500.00}, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX : {$13000.00} and XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  : {$400.00}, all have been re aged which is a violation of FCRA section 605 ( a ) and ( b ). This can be seen in the US DEPT OF ED / XXXX XXXX XXXX, XXXX files of accounts XXXX with XXXX XXXX XXXX XXXXF {$6000.00} AND {$3500.00} respectively, by examining the date last active date of XX/XX/XXXX and the date opened data of XX/XX/XXXX. Account DEPT OF ED / XXXX shows the date last active date of XX/XX/XXXX with no date of last payment and a date opened date of XX/XX/XXXX. All these shows a direct re aging of this account which is a violation. The last account which has re aged is XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$400.00} and this is clearly seen by the multiple charge offs between the months of XX/XX/XXXX and XX/XX/XXXX which kept this account active thus making the date last active to be listed as XX/XX/XXXX. After the first charge off date of XX/XX/XXXX the account should have been closed but it wasnt therefore keeping this account active and prolonging its life and keeping it on my credit report longer. If you need more proof then see the attachment called investigation results where I included Experians investigation reports for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which has these all marked and highlighted. I have also attached a pdf called letters.pdf so you can see that there is proof I disputed these accounts and these letters have their respective return receipts included. 

Furthermore, in regards to Experian not completing any investigations or re-investigations when I asked for them, I like to bring up XXXX XXXX XXXX XXXX of XXXX where it was said by the courts that it is the grave responsibility and duty of the CRAs to complete a reasonable and complete independent investigation into consumers accounts when feasible. I believe after 6 months this request has became feasible and required since Experian decided that they did not have to do any investigations into my accounts. The courts also said that E-Oscar isnt an acceptable means of doing a complete and thorough investigation. Without further ado here is the list of accounts that I want deleted and for you, the CFPB, to investigate and then investigate Experian for multiple violations and failure to do their job. 


US DEPT OF ED  / XXXX XXXX XXXX XXXX XXXX | High Credit {$6000.00}. 

US DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX | High Credit {$3500.00} DEPT OF ED  / XXXX | XXXX XXXX XXXX XXXX {$13000.00XXXX XXXX XXXX XXXX XXXX XXXX Credit Limit {$400.00} Please keep these accounts on my credit report and please do not delete them. 

US DEPT OF ED XXXX XXXX XXXX XXXX XXXX  XXXX | High Credit {$4000.00} US DEPT OF ED  / XXXXXXXX XXXX XXXX  | XXXX XXXX XXXX XXXX  {$3100.00} Thank you greatly for any and all help you can provide, XXXX XXXX XXXX XXXX.

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 non-monetary relief