Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: GA
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:
This is in direct response to my previous complaint XXXX sent to Experian. In their response they didn't even attempt to address because they said it wasn't me, XXXX XXXX and that I didn't authorize CFPB to investigate. 

Thus, I will include a copy of my driver 's license and SSN to verify my identity and I also give CFPB authorization to send this complaint and I also checked the box at the end of this complaint. Moreover, I sent this dispute by mail to Experian a week ago so they should receive it now. Below you'll find the letter I sent to Experian dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX Dear Legal Services : To protect consumers against being reported as delinquent if they utilize these options, the CARES Act calls for creditors to adjust how they report accounts that have been modified. Especially during this pandemic and according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. As you ascertain the accuracy of the information, please send to me as stated the signed contract, previous correspondence, payments made from my account, phone records, and receipts to anyway, shape or form provide contradiction to my assertions. 

Furthermore, it is my understanding you record all calls and on Wednesday XX/XX/XXXX from XXXX XXXX  XXXX XXXX  EST I directly spoke with one of your agents. She explained to me your dispute process and she simply stated consumers send you information and you then send to data furnishers. I asked her to repeat it and she did. To me, this clearly doesnt constitute a reasonable investigation to verify the accuracy of the information. 

Moreover, under the provision of the CARES Act in relation to the Fair Credit Reporting Act, the credit obligation or account was delinquent before the accommodation, during the accommodation the furnisher can not advance the delinquent status. For example, if at the time of the accommodation the furnisher was reporting the consumer as 30 days past due, during the accommodation the furnisher may not report the account as 60 days past due. 

Hence, Im writing these various accounts have been compromised during this pandemic and inaccurate reporting has repeatedly occurred with late payments when I have communicated directly with data furnishers. So, with all of these consistent inaccuracies in combination with clear evidence you dont conduct reasonable investigations and with the previous disputes where you acknowledged my assertions arent frivolous, I demand you permanently block and delete the following accounts. 

Account Name : XXXX Account Number : XXXX XXXX Reason : Incorrect late payments Account Name : XXXX Account Number : XXXX XXXX Reason : Incorrect late payments Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 

Account Name : XXXX XXXX Account Number : XXXX XXXX Reason : Incorrect late payments Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX Reason : Incorrect late payments Moreover, permanently delete and block the following late payments in accordance with FCRA and provisions afforded under the pandemic. 

Late Payment Creditors Account Numbers Account Name : XXXX Account Number : XXXX XXXX Reason : Incorrect late payments Account Name : XXXX Account Number : XXXXXXXX XXXX  Reason : Incorrect late payments Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. 

Account Name : XXXX XXXX Account Number : XXXX XXXX Reason : Incorrect late payments Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX Reason : Incorrect late payments Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and Regulation V. They have violated their responsibility so its time for you as CRA to block and delete aforementioned accounts. Furthermore, furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements. The consumer reporting protections of the CARES Act continue to apply to the time period that was covered by the accommodation after the accommodation ends. 

Moreover, you arent accurately upholding the duties of furnishers in all of these cases due to my accounts being compromised have not established and implemented reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers like that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. Please have the data furnishers share with me their policies if you dont delete my accounts. 

Additionally, the consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed. In all my previous dispute you never investigated it properly and thoroughly. 

Lastly, I have evidence here that the information reported was inaccurate and the data furnishers allowed me to promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information. Hence and again, please block and delete aforementioned accounts. 

All in all, youve repeatedly violated FCRA and all I request at this juncture is the swift removal of these accounts. Do note Ive made specific complaints to the CFPB under FCRA and CARES Act. 

Regards, 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 explanation