Consumer complaint received 2018-04-27
Company: Experian Information Solutions Inc.
State: NC
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 reviewed my credit report on XX/XX/XXXX and I saw entries from XXXX/XXXX ( XXXX   ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX  ) listed. I contacted Experian on XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report. 

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information you disputed has been verified as accurate or the company that reported the information has certified to Experian that the information is accurate. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX ). XXXX did not provide it. However, XXXX removed the items in question on my report but did not provide me with the results of the investigation either. As I believe all of them are still using XXXX to verify when that has been ruled not to be verification. I sent my XXXX  results to Experian again and on XX/XX/XXXX they received my correspondence. On XX/XX/XXXX I received the very same response except with a fraud warning this time, disclosing what I should do if this was a result of identity theft. It basically was their normal response again. The information you disputed has been verified as accurate or the company that reported the information has certified to Experian that the information is accurate. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me again at all even after I demanded the full scope of the investigation in my letter.

If an account is modified or deleted, the furnisher is supposed to send copies of its modification to EACH CRA with whom the data furnisher has a reporting relationship. This way all the NCRAs can meet their responsibilities to update the consumers credit files, where applicable. This is directly from that report and has not been done because I sent proof of this and they still didnt do it. 

All this correspondence I will be including for you as well. I had fraud on my account due to multiple social security numbers that were listed on my credit file with Experian. Also I sent letters to them to remove erroneous personal information such as names ( misnomers ) and addresses ; from my credit file and they didn't do that either. I am including the letters I had asking them to remove that as well.

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