Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NE
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 submitted another dispute through the CFPB on XXXX XXXX, XXXX ( Complaint ID # XXXX ) and in standard Experian fashion they sent me a canned language response that they will not investigate my dispute because the item has been disputed previously. This is correct, but the item being disputed is being reported incorrectly and that is why I keep disputing it. I also added different documents and more support of my dispute, and again they denied my request for them to investigate. I can not name the number of FCRA and FDCPA violations that they have committed in this case as it is too many. I am redisputing yet again because they will not, and have not corrected an inaccuracy in my XXXX XXXX that XXXX is reporting as a Charge-Off as of XX/XX/XXXX which is incorrect and fraudulent. The XXXX for this account was in XX/XX/XXXX. Experian also did not provide me with numerous requests for their Method od Verification in which I am entitled through per the FCRA ( another violation ). I am demanding under my rights per the FCRA that they investigate this dispute that is in no way frivolous and for them to delete the tradeline as per XXXX own credit report that showed a XX/XX/XXXX deletion date, in which now that date has been removed and according to XXXX at Experian it now shows a XX/XX/XXXX deletion date. No payment was ever made to XXXX after XX/XX/XXXX. Experian also is not listing any account history prior to XX/XX/XXXX which is also incorrect ( another violation ). This company has broken the law and NEEDS to be held accountable and I am pleading with the CFPB, State Attorney General and whoever else can be involved, gets involved and does something about the way they treat consumers as this is costing me money in interest on a mortgage that I lost out on, among weeks and weeks of time and effort to get this corrected. I have yet again provided additional information ( XXXX Credit Report which shows DOFD as XX/XX/XXXX, and since has been deleted ) and if this account is not deleted immediately I again am exercising my rights under the FCRA for a FULL Method of Verification to be provided to me from Experian. 
Here was Experian ' response to previous Complaint on XXXX XXXX, XXXX ( Complaint ID # XXXX ) : XXXX XXXX XXXX XXXX We are responding to your request to verify item ( s ) on your personal credit report. We have previously processed this dispute and the credit grantor has verified its accuracy. Please refer to the personal credit report you received for the name, address, and phone number ( if available ), of the credit grantor who verified this information. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not reinvestigate the same dispute again at this time. If you still believe the item is inaccurate, then we can add a statement of continued dispute to your personal credit report at your request, or you may wish to contact the credit grantor directly to resolve your issue. If you have additional relevant information ( anything new that has occurred between you and the credit grantor or courts that should result in a change to the information appearing on your credit report, such as a letter from the creditor, a cancelled check or money order, billing statement, contact name of the credit grantor, letter from the IRS, proof from a court or county reporter, proof that bankruptcy was dismissed or discharged, etc. ), that was not presented when you previously disputed the information, you may mail it to us and we will reinvestigate the disputed information. You may also submit such supporting documentation electronically at experian.com/upload. Be advised that written information or documents you provide with respect to your disputes may be shared with any and all creditors with which you are disputing. Potentially negative information, such as missed or late payments, and most public record items remain on the credit report for XXXX years, with the exception of XXXX XXXX XXXX XXXX XXXX bankruptcies, which remain for XXXX years. Unpaid tax liens will remain for up to XXXX  years from the filing date. Paid tax liens remain for up to XXXX years from the filing date. 

When you dispute the accuracy or completeness of information on your personal credit report and tell us specifically why you believe the information is inaccurate or incomplete, we process your dispute as required by law. We contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office. We ask the furnisher or the vendor to verify all of the information regarding the item you disputed, and report back within XXXX days of the date that we received your request ( XXXX days for Maine residents and XXXX  days for disputes of information on an annual free credit report ). We review and consider the response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete that information, or modify that information as appropriate, based upon your dispute and the results of our processing. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. In some instances, upon reviewing your credit file and any relevant information you have submitted to us, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. In addition to your right to dispute information in your credit file with the credit reporting agencies, you also have the right to dispute information in your credit report directly with the furnisher of the information. 

According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agencys role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, such as a court or other government office, notifying them of the disputed information and disclosing all relevant information regarding the consumers dispute. In order to help resolve the consumers dispute, Experian will review all relevant documents submitted by the consumer with the dispute and will forward such documents to the furnisher if Experian is unable to resolve the issue based on those documents. Consumers may also contact creditors directly to dispute items reported by the creditor. If the issue is not resolved, then the consumer credit reporting agency must offer to include a consumer statement on the personal credit report. 

Unless you send us relevant information to support your claim, we will not investigate this information again

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