Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have enclosed information about this specific account with XXXX XXXX XXXX. I have disputed this account multiple times with Experian. The information comes back as verified and accurate. A blind eye can see that there is inaccurate info with the date of last activity on this account and Experian kept bringing the account back accurate. I ask for method of verification, who did they speak with, and where and so on. I received correspondence from Experian with an agents name that they claim to be a employee at XXXX XXXX XXXX. They said they spoke to XXXX XXXX. I did my own research and found out that XXXX XXXX left XXXX since XXXX He currently works for XXXX XXXX. I called XXXX to verify this employee that, Experian said certified the accuracy of my dispute. Experian was not truthful about doing a proper investigation. They never spoke to that employee because he has not worked at that company for about 15 years. They have failed me as a consumer and they violated my consumer rights and I will be taken this further for their dishonesty. According to 15 usc 1681, a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
We are depending on fairness as a consumer. Experian violated my consumers rights. How can they be trusted? In addition, they willfully allowed inaccurate information to sit on my report and lied. 
I am seeking for this account to be remove immediately and I am seeking {$1000.00} in damages for not being truthful and out of compliance with the FCRA. AS PER 15 USC 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or They will not get away with this. I don't not want to do any business with them. 
according to 15 usc 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 address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Experian know its wrong and they have dishonored the FCRA AND VIOLATED ME THE CONSUMER.

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