Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent out letters to XXXX, XXXX and Experian through certified mail in regards to these XXXX accounts that I felt did not belong on my credit report : 1. XXXX  XXXX/XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX 2. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 3. XXXX XXXX ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX 4. XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX 5 XXXX XXXX XXXX  ( Account # XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX 6. XXXX XXXX  XXXX ( XXXX ) Reported Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX It is to my understanding and under the provisions of the Fair Credit Reporting Act that these XXXX bureaus have 30 days to complete a sound investigation of my disputes and in that time, must temporarily remove those accounts from my credit report as well as mail out to be copies of my credit report respectively. It has been well over the 30 days since those letters were received and there have been absolutely no removal of these accounts. I asked the XXXX credit bureaus to complete full and sound investigations into the accuracy and validity of all the information surrounding these accounts on my credit report and they came back verified. If a thorough investigation was completed, then why are there still inaccuracies on my credit report? 

All of these accounts vary widely on the dates opened and dates of last activity across all three credit reports. If the information was verified, meaning that everything on my credit report is 100 % correct, then why are there multiple discrepancies with the dates of activity and dates last reported. According to my understanding, dates of last activity correlate with when a negative account will be removed off my credit report ( which is 7 years ). If this is true, then these accounts will have least 2-3 different dates which they will be removed from my credit report. Some of those removal dates vary by XXXX  whole years. That is a very blatant violation of my rights protected under the FCRA. These XXXX credit bureau 's did not complete a thorough and sound investigation of these accounts and falsely verified not only account information but personal information and addresses that does not exist on my credit report and allowed creditors to furnish inaccurate payment information that does not exist on my credit report. 

I want these accounts removed immediately from my credit report or I will take further legal action. I have a right to privacy and a right to a true and accurate credit report. This is causing damages to my report and preventing me from getting fair credit opportunities. 

They have violated my rights under 15 U.S.C. 1681s-2 ( a ) ( 1 ) - 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. 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. 

They have violated my rights under Procedure in case of disputed accuracy 15 U.S.C. 1681i ( a ) ( 1 ) - if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in 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 the consumer or reseller.

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 non-monetary relief