Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA credit reporting agencies have a responsibility to report accurate information. I submitted an complaint on XX/XX/XXXX to the CFPB about my continuing problems with EXPERIAN, XXXX AND XXXX reporting inaccurate information about me on my credit reporting. This has caused my family and I considerable damage due to the adverse actions by these credit agencies. According to the FCRA 15 usc 1681a 603 Definitions ; rules of construction. ( e ), investigative consumer report such information shall NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Experian, XXXX, and XXXX have violated this federal law. By there own admission these companies do the exact opposite of the law and ONLY get information directly from the creditors and consumer reporting agency such as XXXX. This is evidence as you can see in the attached documents and results of their so called reinvestigation. Also according to 611.of the FCRA Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 ; and ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. All of the listed agencies have violated these federal laws. I BEING THE CONSUMER have ultimately say of what is accurate on my credit report. I have been disputing this inaccurate information for 3 years This makes the 4th time of me sending this identity theft report and police report to each agencies. How many times do they get to reinvestigate and keep verifying inaccurate information from the very same alleged creditors that are providing the inaccurate information. According to 15 U.S.C 1681 611 they only have a total of 45 days to do a investigation and reinvestigation. That time as expired 10 xs over. Each credit agency have claimed to not received my identity theft police report. But somehow mysteriously they removed certain items identified as fraud and inaccurate that appears on my police report and have let others fraudulent and inaccurate information remain on my credit file. In addition each agency has automatic placed a fraud alert on my credit file. How and why would they take this action unless the consumer has Initiated and authorize such action. XXXX sent me a letter on XXXX XXXX / XXXX stating that theyre unable to verify my credit file. But on XX/XX/XXXX replies to the CFPB complaint that the information was verified. In fact they state and I quote THE FOLLOWING FIELDS HAVE BEEN MODIFIED : DATE OF MAJOR DELINQUENCY 1ST REPORTED, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX THIS CREDITOR IS CURRENTLY REPORTING A XXXX  BALANCE FOR THIS ACCOUNT. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. XXXX VERIFIED THAT THE LAST PAYMENT DATE IS REPORTING CORRECTLY. PLEASE BE ADVISE THAT THE DATE CLOSED IS CURRENTLY REPORTING CORRECTLY HISTORICAL ACCOUNT INFORMATION WAS UPDATED ON THIS ACCOUNT THE FOLLOWING ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Please explain how XXXX VERIFIED information that XXXX claims is not currently on my CREDIT FILE. This a clear example of inaccurate information. However on XX/XX/XXXX XXXX removed both inaccurate items that appeared on my credit report. According to 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of the block. I want to be made whole again. Theses agencies are clearly violating my consumer protection rights with not a care of retribution from you the real Credit bureau. Please have make these companies follow the laws and regulations that have been set forth by congress to protect the consumers from this very sort of situation

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