Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The credit reporting agencies ( CRA ) repeatedly allow the below list of creditors to falsely report dispute remarks on my credit report. In XXXX, I exercised my rights to request an investigation into the accuracy of the information reported for these accounts. Upon resolution of the disputes, much of information was updated satisfactorily. However, the dispute remarks, as noted in the table below, were subsequently added to my reports. Per phone discussions, I have confirmed there are no open disputes with any of these creditors or with any of the CRAs. I have requested the comments be removed through multiple phone calls. While each CRA has removed the remarks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the remarks reappear within the month based on the creditor reporting schedule. I have explained to each of the credit bureaus that this information is inaccurate and have been unsuccessful in requesting an escalation to permanently remove them. I was informed that there was no escalation process available to me, and that each CRA would continue to re-add the remarks without performing an investigation of their accuracy as long as the creditors continued to report them. The continual reinsertion of the previously removed remarks without certification of the accuracy is a violation of FCRA 611 ( 15 U.S.C. 1681I ) subsection ( 5 ) ( B ) ( i ). This violation is hampering my ability to grow my credit worthiness, as lenders are unable to place reliance on any reporting associated to these accounts because there appears to be open disputes. I should not be penalized with inaccurate dispute remarks continually being reinserted into my credit profile just for exercising my rights to have 100 % accurate account reporting. The remarks section is not accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the Credit Reports showing the inaccurate Dispute Remarks. **NOTE : Unable to Upload XXXX XXXX credit Report due to system limitation for file size. 

List of account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection bXXXX XXXX XXXX XXXX XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection c. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection d. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection eXXXX XXXX XXXX XXXX XXXX  - XXXX Account Information disputed by consumer ( FCRA ) > Placed for collection fXXXX XXXX XXXX XXXX - XXXX Account Information disputed by consumer ( FCRA ) > Placed for collection 2.Experian a. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees b. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees c. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees dXXXX XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees e. XXXX XXXX - XXXX Account information disputed by consumer, meets FCRA requirements f. XXXXXXXX XXXX XXXX XXXX  - XXXX Account information disputed by consumer, meets FCRA requirements g. XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements 3XXXX a. XXXX XXXXXXXX - XXXX Customers disputes after resolution, placed for collection b. XXXX XXXX - XXXX Customers disputes after resolution, placed for collection c. XXXX XXXX - XXXX Customers disputes after resolution, placed for collection d. XXXX XXXX - XXXX Customers disputes after resolution, placed for collection e. XXXX XXXX XXXX XXXX  - XXXX Customer disputes this account information fXXXX XXXX XXXX XXXX - XXXX Customer disputes this account information Collections account

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