Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: CA
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 sent certified letters the three bureaus ( XXXX, Experian and XXXX ) on XX/XX/2022. Also, I submitted complaints ( CFPB # XXXX, XXXX XXXX XXXX XXXX XXXX, ( CFPB # XXXX ), XXXX Credit Bureau ) and complaint XXXX CFPB # XXXX, Experian ). 
I requested the bureaus to investigate every piece of information on the accounts listed below. 

According to the FCRA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living in obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or whom or who may have knowledge concerning any such items of information.

The bureaus sated that my accounts were verified and continued to report inaccurate information. How can this be possible if they did not do a proper investigation according to the FCRA? The laws 15 USC 1681 ( 1 ) ( 5 ) states that everything must be 100 % complete and accurate. 

I then again sent letters asking for the bureaus to reinvestigate the inaccurate items, which they continued to report. On XX/XX/2022 I submitted another complaint to ( CFPB # XXXX ) XXXX, XXXX CFPB # XXXX ) XXXX and ( CFPB XXXX XXXX ) on XX/XX/2022 Experian. 

The bureaus stated that their reinvestigation verified the information via data furnisher ( s ) as accurate. Again, my consumer rights according to the FCRA continued to be ignored and violated as well as my right to privacy ( 15 USC 1681 section 602 ( A ), 15 USC 1681 604 ( A ) section ( 2 ) written consent ).

Also, according to U.S.C. Sec. 1681 ( a ), proof must be provided to the accuracy of these accounts, or the must be deleted.

The direct violation of 15 USC 1692 ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation, I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} } for each violation.

This is another demand to the bureaus to follow the FCRA. Additionally, it is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C on the accounts. Listed below are the accounts that are reported as income and in question : ( 1 ) ( XXXX, XXXX ) XXXX XXXX # XXXX, Balance, Past Due, Charge off, Date Last Active, Date of Last Payment, Payment History, ( 20 violations ) ( 2 ) ( XXXX XXXX XXXX XXXX # XXXXXXXXXXXXX**** ; Charge off, Date Opened, Balance, High Credit, Past Due, Payment Status, Last Reported, Date Last Active, Date of Last Payment and Payment History ( XXXX violations ) ( 3 ) ( ALL 3 ) XXXX XXXX # XXXX, Date Opened, High Credit, Credit Limit, Past Due, Charge off, Last reported, Date Last Active, Date of Last Payment, Payment History ( 18 violations ) ( 4 ) ( Experian, XXXX ) XXXX XXXX XXXX # XXXX, Past Due, Charge off, Last Reported, Date Last Active, Dare of Last Payment, Payment History, Account Type ( 18 violations ) ( 5 ) ( Experian, XXXX ) XXXX # XXXX, Balance, High Credit, Past Due, Charge off, Date Last Active, Date Last Reported, Date of Last Payment, Payment History ( 18 violations ) ( 6 ) ( Experian, XXXX ) XXXX # XXXX XXXX Balance, Past Due, Charge off, Date Last Active, Date of Last Payment, Payment History ( 18 violations ) ( 7 ) ( ALL 3 ) XXXX XXXX XXXX # XXXX, Balance, High Credit, Credit Limit, Past Due, Charge off , Last Reported, Date Last Active, Date of Last Payment, Payment History ( 18 violations ) ( 8 ) ( ALL 3 ) XXXX XXXX XXXX # XXXX, Date Opened, Balance, High Credit, Credit Limit, Past Due, Charge off , Date Last Active, Date of Last Payment, Payment History ( 22 violations ) ( 9 ) ( XXXX, XXXX ) XXXX FCU # XXXX XXXX Balance XXXX Credit Limit, Past Due, Charge off, Date Last Reported, Date Last Active, Date Kast Reported, Payment History ( 25 violations ) ( 10 ) ( ALL 3 ) XXXX XXXX # XXXX, Date Opened, Balance XXXX Past Due, Charge off, Last Reported, Date Last Active, Date of Last payment, Payment History ( 11 ) ( Experian, XXXX ) XXXX XXXX XXXX # XXXX, Charge off XXXX Past Dye, Last Reported, Balance, Date Last Reported, Date Last Active, Date of Last Payment, Payment History ( 25 violations ).

( 12 ) ( XXXX ) DPT EDXXXX # XXXX, Balance, Account Status ( 15 violations )

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