Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX experian sent me back results for XXXX XXXX. Experian Updated this account. while looking over my before and after dispute I noticed the only thing experian or this data furnisher updated was the fact that they took away postive payment history XX/XX/XXXX making their reporting unfair. everything else reports the exact same. this complaint is now based on the fact that this XXXX  XXXX  did not notate a recent notice of dispute with the credit reports let alone report to experian to begin with. how was experian able to modify this account if the XXXX  XXXX  never investigated? the last time this XXXX  XXXX  reported was septetmber XXXX if you look at the before and after you can clearly see the comments section reads the exact same. this account is also reporting in error after Experian has given me my results. this data fursniher NEVER sent me an notice of their dispute with the credit reporting agencies which to my understanding is required under FCRA. the On Record Until does not prove to be accurate in the Payment History, these XXXX fields are Inconsistent with each other manipulating the running of reporting period which is illegal activity. 

XX/XX/XXXX experian sent me results regarding XXXX XXXX XXXX XXXX. there results came back as Updated as well. the updates included them removing positive payment history XX/XX/XXXX which makes their reporting UNFAIR and ILLEGALLY RE-AGING this account WITHOUT UPDATING THE PAYMENT HISTORY to prove there MODIFICATION. XXXX XXXX also DID NOT report let alone notate a NOTICE OF DISPUTE with ME or EXPERIAN. the last time XXXX XXXX  reported to Experian was XX/XX/XXXX. 

I have attached my before and after results on both of these accounts. I have already submitted complaints on both of these data furnishers and now this complaint is on experian illegal practices and false results they have furnished to me after they claimed to have reinvestigated. 

I feel as tho experian Updates or Verifies information based on the personal information reporting which is NOT proper procedures for a investigation. Experian needs to be called out on these tactics they do and be fined for these practices. verifying or updating a account based on numbers tied to personal information is NOT how the FCRA mandates them to investigate. 

these data furnishers and experian are responsible for the following violations. 

15 U.S.C 1681c ( f ) ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) 1681s-2 that information regarding a consumer who was furnisher to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that INCLUDES the disputed information.

15 U.S.C 1681s-2 ( a ) ( 3 ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of ANY information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

15 U.S.C1681e ( b ) ( b ) 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.

15 U.S.C 1681s-2 ( b ) ( E ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified AFTER ANY reinvestigation under paragraph ( 1 ), for purpose of reporting to a consumer reporting agency only, as appropriate based on the RESULTS of the reinvestigation promptly- ( ii ) DELETE that item of information ; or ( iii ) PERMANENTLY block the reporting of that item of information.

15 U.S.Code 1681c ( c ) Running of Reporting Period In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) SHALL BEGIN, with respect to ANY deliquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginngin on the DATE OF THE COMMENCEMENT of the delinquency which IMMEDIATELY preceded the collection activity, charge to profit and loss, or similar action. 

623 15 U.S.Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies DUTY of furnishers of information to PROVIDE ACCURATE INFORMATION PROHIBITATION Reporting information with ACTUAL knowledge of errors. A person SHALL NOT furnish ANY information relating to a consumer to ANY consumer reporting agency if the person KNOWS or has REASONABLE cause to believe that the information is INACCURATE. 
Reporting information AFTER not and CONFIRMATION of errors. 
A person SHALL NOT furnish information relating to a consumer to ANY consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, INACCURATE.

Under 15 U.S Code 1681s-2 ( a ) ( 2 ) ( 2 ) Duty to CORRECT and UPDATE information. A person who REGULARLY and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and Has furnished to a consumer reporting agency information that the person determines is not complete or accurate, SHALL promptly notify the consumer reporting agency of that determination and provide to the agency ANY corrections to that information, or any additional information, that is necessary to make the information provided by the person to the angency complete and accurate, and SHALL NOT therafter furnish to the agency ANY of the information that remains not complete or accurate. 

15 U.S.C 1681 ( a ) ( 4 ) ( 4 ) there is need to insure that consumer reporting agencies exercise their grave resposnbilites with FAIRNESS, IMPARTIALITY, and a RESPECT for a consumers RIGHTS TO PRIVACY

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