Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: CA
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:
I have previously disputed all of the inaccurate information on my account to no avail. My report continues to report incorrect and fraudulent information including the incorrect case information, wrong filing dates, bankruptcy action, fraudulent transactions, late payments on my XXXX XXXX credit cards, to no avail. In addition, I have a fraud alert on my credit reporting accounts whereby any company trying to obtain a copy of my credit report is mandated to contact me directly and verify my information prior to obtaining my credit report. However, there are XXXX inquires on my report which has yet to be corrected as these companies never contacted me and I have already provided the police reports indicating these are fraudulent to no avail. 

The company has lied many times to me directly stating the information has been verified by the furnisher, however, I provided a letter from the bankruptcy court whereby they did not report anything to the credit agencies, and they are prohibited by law and have XXXX jurisdiction to report anything to the credit agencies. This is significant proof of the blatant lies made by the credit agencies in violation of the FCRA. The reporting requirements do not comply with FCRA 611 ( U.S.C. 1681 ) and the information must be deleted immediately.

I am writing your company again to correct and/or delete the inaccurate information, which have never been provided by the data furnisher in violation of the FCRA, and as such, these needs to be deleted immediately. Section 623 of the FCRA and Regulation V : A furnisher must not furnish inaccurate consumer information to a CRA, and furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. At the federal level, the Consumer Financial Protection Bureau ( Bureau ), the Board of Governors of the Federal Reserve System ( Board ), the Federal Deposit Insurance Corporation ( FDIC ), the Office of the Comptroller of the Currency ( OCC ), and the National Credit Union Administration ( NCUA ) have supervisory authority for depository institutions compliance with the FCRA. 

Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate. Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. : Implemented in by Regulation V, 12 C.F.R. Part 1022. Most of the furnisher requirements discussed in this article under Section 623 of the FCRA ( 15 U.S.C. 1681s-2. ) 12 C.F.R. 1022.41 ( c ). An entity is not a furnisher when it : ( 1 ) provides information to a consumer reporting agency solely to obtain a consumer report in accordance with Sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) is acting as a consumer reporting agency as defined in Section 603 ( f ) of the FCRA ; ( 3 ) is a consumer to whom the furnished information pertains; or ( 4 ) is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumers character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. 

Additionally, I was advised by XXXX that they do not have to comply with the Fraud Alert requirements as it clearly states on my report, anyone who is trying to obtain a copy of my report, is required to contact me directly, which has not been done. Each inquiry on my report have not followed the fraud alert and should also be removed immediately. Due to the numerous attempt to have these issues revolved, I will be proceeding with additional legal actions against the credit agencies in violation of the FCRA and with the Federal Government against these agencies.

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