Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: CO
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 have recently reviewed my credit report and I found several discrepancies. Upon my findings, I disputed the information with the XXXX major credit bureaus ; Experian, XXXX, and XXXX. This original dispute was filed on or around XX/XX/2022 for a closed XXXX credit card account. 

The dispute results were emailed back to me from Experian on XXXX XX/XX/2022. The account came back as verified with the account status/ responsibility being labeled as " the consumer reported as deceased ''. I am not deceased. Experian and the other credit bureaus have now labeled my account as being deceased. This has prevented me from applying for a mortgage and securing a home for my family. 

On XXXX XX/XX/2022, I notified Experian of the inaccurate reporting on my credit report labeling me as deceased. I was instructed to write a certified letter showing proof that I am not deceased before status can be removed. This account and its many inaccuracies have not been removed by Experian and the other credit bureaus and have violated my consumer rights under FCRA 609/611. 
Under FCRA 611, If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

My rights under FCRA 611 were violated.

Under FCRA 609, Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 

In my dispute filed on XXXX XX/XX/2022, I requested the XXXX account be verified and that I be provided with the information used to verify this account. I was provided any documentation when the credit bureaus " verified '' this account and then updated the status as deceased. My rights under FCRA 609 were also violated.

As a result of the credit bureaus reporting me as deceased my credit scores and report have been removed and are unavailable. This has resulted in me not being able to secure a mortgage for my family.

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