Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
RE : Charge off - XXXX XXXX XXXX Account # : XXXX XXXX On XX/XX/2023 Experian Provided a response to my complaint. This response was a canned response completely failing to address a majority of the complaint. The response noted : " Thank you for submitting your dispute on XX/XX/2023, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachments, you have supplied through the CFPB portal and directly to Experian. You indicate that inaccurate items are on your credit report. You are requesting to have the disputed items corrected or deleted from your report. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). The results summary was sent to you for review. If you have any additional supporting new documentation regarding the disputed information or any new disputes, you may forward that to Experian for further review. '' They indicated the account was accurate as reported, which as outrageously inaccurate. On XX/XX/2023 I sent them a follow up disputed noting 61 errors still continually reported in the account they indicated was being reported accurately. It was received on XX/XX/2023 by Experian ( The return receipt is included in attachments ). It should be noted that the same issues exist after 2 subsequent disputes that took 60 days and additional 59 days for the CFPB complaint. So prior to the dispute Experian received on XX/XX/2023 they had a total of 119 days to make sure the account was being reported 100 % accurately, but gain the above referenced account reporting on my consumer report has 61 errors. This is after 2 disputes and CFPB complaint. Now when the factual information was presented to demonstrate the inaccuracies still existing, Experian has failed to respond to the dispute after not only 30 days, but 56days more and still no response or changes to the account on my consumer report to reflect 100 % accuracy. This makes a total of 175 days and this account is still inaccurately reported. I am including in the attachments, my Experian consumer report showing the account after Experian 's supposed investigation due to CFPB Complaint, as well as my consumer report as of XX/XX/2023 showing the same inaccurate information being reported. They get no more time under the FCRA this account must be removed from my consumer report. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( 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 ; Both my consumer reports generated XX/XX/2023 and generated XX/XX/2023 have been attached still showing the same inaccuracies. The Returned receipt showing Experian received my subsequent dispute on XX/XX/XXXX to which there has been no response. 

After all the reinvestigation Experian has been supposedly doing the account for the past 175 days ( Almost 6 months ) the Account is still not 100 % accurately reported as demonstrated by the marked up report and Inadequately reported. My rights under the FCRA have been blatantly violated!! Dispute letter tells the story and attachments support the disputed information!!!

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