Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: UT
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 recently sent another certified letter to Experian to verify two accounts on my credit report. XXXX/XXXX and XXXX XXXX XXXX which they refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they did not investigate these accounts thoroughly enough the last time I submitted one. 

If they had investigated properly, rather than use the e-Oscar system, they would have known, that not only I have never been late on these accounts, but that I am not sure that they are even mine though Experian claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable ( which is what Experian continues to do ) I have also sent Formal requests for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian has refused to provide me with any of this information. They also have failed to maintain reasonable procedures to assure complete accuracy in the information they publish. 

Continually getting back " parroted '' information from the creditors and collection agencies and Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is causing XXXX XXXX and has hurt my ability to get Credit. 


I insist Experian complies with the law by providing the requested information, or removes these accounts from my credit report. I look forward to an expedient resolution of this matter. 


Thank you for your help in this matter and I hope this can get resolved quickly!

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