Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2022 To Whom It May Concern I have disputed these accounts with Experian ceveral times before. Only to have them update false and inaccurate information. I NEED HELP FROM YOU ( CFPB ) To help me out with this matter. As Experian does not seem to care about violating my federaly protected consumer rights. The accounts I am referring to are : XXXX. XXXX : XXXX XXXX # XXXX XXXX. XXXX : XXXX XXXX XXXX XXXX # XXXX Througth the past several months ( Starting early XXXX ) Ive been disputing these accounts with Experian and they always come back as Verified. Which I dont understand how if everytime they come back with something different on the account. So I dont understand how the information on my credit report is 100 % accurate and verifiable if everytime I challenge the information on these accounts something always changes. Experian has violated several of my FCRA rights and dont seem to want to make things right. Together with these allegations I Will also be including all of the proof pertaining to these accounts. 
In the attached documents you will see the differences in the accounts after each dispute. ( Labeled B1-B4 for the XXXX XXXX  XXXX XXXX XXXX and S1- S4 for the XXXX ) you will notice there being a difference in PAYMENT HISTORY. 

Why after each of my disputes ( four so far ) does something change or get updated in the credit report pertaining to these two accounts and does not get deleted? 
If Experian is doing an ACTUAL investigation ( whom according to the FCRA are required to complete a full investigation with procedures to follow, and at the same time provide only 100 % accurate information ), why is this information changing after each dispute? 

a ) My logical answer to this is that Experian is not following the procedure under law, and to provide 100 % accurate information on my credit report. Which clearly Experian isnt, WHICH IS NEGATIVELY AFFECTING MY LIFE! 

If Experian is getting this info from the data furnisher ( whom according to the FCRA are required to provide only 100 % accurate information ), why is this information changing after each dispute? 
b ) THE DATA FURNISHER IS CLEARLY NOT REPORTING 100 % ACCURATE INFORMATION IF THE DATA CHANGES AFTER EACH DISPUTE SO, I QUESTION THE VALIDITY OF THE FURNISHER OF THIS INFORMATION I Have not heard anything from Experian in over 30 days from my last dispute! ( XX/XX/2022 ) REMOVE THESE ACCOUNTS IMMIDIATELY Because Experian is violating my federally consumer protected rights by reporting this INNACURATE information on my credit report! 

These are some of the rights that I have found Experian to have violated : 15 U.S. Code 1681b ( a ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. Code 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT GIVEN YOU WRITTEN INSTRUCTION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT. 
15 U.S. Code 1681c ( a ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : 15 U.S. Code 1681c ( a ) ( 5 ) : Any other ADVERSE item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681i ( 5 ) : Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( ADVERSE : preventing success or development ; harmful ; unfavorable ) I AM NOT ABLE TO DEVELOP OR PROSPER MY FINANCIAL STATUS DUE TO THESE ILLEGALY FURNISHED ACCOUNTS ON MY CREDIT REPORT.

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