Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I recently pulled my credit report and saw a discrepancy on these accounts. 

I see the months are not all the same and I am worried that these accounts have errors that is effecting my FICO score and my ability to get a house for my family and I. Even after disputing with the CRA 's, I feel and see that my rights are being violated under the FCRA and FDCPA. I disputed the validity and accuracy of these accounts previously. However, errors and discrepancies continue to be reported onto my credit report. 

MY DIFFERENT DISPUTE LETTER DATES OF ME TRYING TO CLEAR UP THESE DISCREPANCIES ARE DATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaccurate information of Date of Last Payment and Date of Last Activity in regards of XXXX XXXX XXXX XXXX XXXX continue to be reported to Experian. Experian claims this account was verified as accurate but refused to send me any correspondence that shows how this information was verified as accurate when it clearly shows that it is not and the other two CRA 's ( XXXX and XXXX ) continue to report different dates. Why are these dates inaccurate with zero proof being presented? Also, I have disputed these inaccuracies and NO NOTICE OF DISPUTE has ever been reported or noted on my credit report which is also a violation of the FCRA. 

As per 15 USC 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

as per FCRA Section 623 ( a ) ( 3 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

As per FDCPA Section 807 ( 8 ) 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 


XXXX account has also NOT been verifiable when I have already pointed out the inaccuracy with this account and yet, the validity of this account has not been verified. On XX/XX/XXXX, Experian claims that this account Is indeed accurate but refuses to send me any correspondence showing me any proof. I have requested for this account to be re-investigated and present to me any proof of the Last Payment Date being XX/XX/XXXX when XXXX reported the Last Payment Date being XX/XX/XXXX. My request was ignored and this XXXX account continued to illegally be re-aged and reported as accurate. 

As per 15 USC 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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