Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account name XXXX opened XX/XX/XXXX I am Writing this letter again stating national known issues with the XXXX Experian and XXXX that the Government Investigation Finds XXXX, XXXX, and Experian Failed to Address Errors in XXXX XXXX XXXX XXXX XXXX XXXX Have XXXX XXXX XXXX XXXX The investigation found that, between XXXX and XXXX, at least XXXX XXXX disputes were discarded and not investigated by XXXX, XXXX, and Experian. The credit reporting agencies have their reasons for why this happened, claiming they were illegitimate for XXXX reason or another. Under the FCRA, credit reporting agencies must investigate all disputes submitted directly by consumers or their authorized representatives. The subcommittee investigation indicated that credit reporting agencies could be discarding millions of legitimate disputes each year, which is specifically detrimental to consumers who receive support services due to their financial struggles.

The investigation also showed that the big three credit reporting agencies have been leaving the burden of investigating these credit report disputes to data furnishers. Data furnishers are the organizations that provide the data that credit reporting agencies use to create credit reports. According to the investigation, the big three credit reporting agencies have been leaving more than half of their disputes for data furnishers to investigate. 
What Is the Purpose of the Fair Credit Reporting Act? How Does the Fair Credit Reporting Act Protect Consumer Rights? 
You have the right to accurate information on your credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures that all consumer credit information is fair and accurate. The FRCA is enforced and violations of the Fair Credit Reporting Act are investigated by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). The FCRA also protects the information collected by credit reporting agencies and limits the purposes for which these reports can be requested. The act specifically states that credit reporting agencies have a duty to investigate any disputed information. The Fair Credit Reporting Act protects consumer rights by ensuring accuracy and protecting your private information from being accessed unless theres a specific purpose. 



I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this due to Inaccurate reporting. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. The Fair Debt Collection Practices Act requires you to respect this request. This account is in collections as well reflecting a past due balance INACCURATE REPORTING this account also reflects multiple balances how can the account balance be different than the written off balance again this is Inaccurate and incomplete Reporting this account is also closed with a past due balance which is also INACCURATE AND INCOMPLETE REPORTING Experian shows payment history within the last XXXX years and XXXX different balances and XXXX XXXX shows XXXX with is also Inaccurate and incomplete reporting might I also Add this same account which was also reporting inaccurate to XXXX was disputed and due to the factual information being reported inaccurate and incomplete the account was deleted I have also attached XXXX dispute results as evidence that both these CRAS has not done a proper investigation By law you are to delete this account and any information connected to it and cease and desist all collection reporting actions I am a ligation customer and I will seek legal action if this account continues to report illegal and false information. See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX XXXX XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau.

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