Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent many letters informing XXXX XXXXXXXX XXXX that I received a copy of my credit reports, and noticed some late payments that still need to be corrected. I mailed a certified letter on XX/XX/2022 and it was signed for and received on XX/XX/2022. This company has had over 30 days to respond and my credit report has still not been updated. Again, the late payments are as follows : XXXX XXXX XXXX XXXX XXXXXXXX ) Your company is in violation of the Fair Credit Reporting Act ( FCRA ), otherwise known as 15 USC 1681. Pursuant to 15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, THE LAW CLEARLY STATES : ( 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. 

Clearly, prohibition means something that is not allowed. This law says a person ( you in this case ) 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. 

Lets look at has reasonable cause to believe that the information is inaccurate. 

I CLEARLY showed you in my previous letter ( that you received via certified mail ) that you have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that youve violated, therefore the information being inaccurate! 

While were at it, pursuant to 15 USC 1681a ( 4 ) - Congressional findings and statement of purpose, THE LAW CLEARLY STATES : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave your organization permission to report my information. 

This is getting out of hand, so if you continue failing to follow the law after Ive CLEARLY showed you that you have reasonable cause to believe that the information is in fact inaccurate, this matter will result in legal actions being taken against your company for actual damages, and I will be seeking {$1000.00} per violation of the following : - 15 USC 1681n - Civil liability for willful noncompliance - 15 USC 1681o - Civil liability for negligent noncompliance There was no contact to state that my dispute letters were even received. When discussing it over the phone, I was told that it will never be removed. This is against the law and I am very disappointed in how this company has conducted business.

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