Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/year> RE : Rebuttal to your Alleged Accurate reporting [ XXXX XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] My previous complaint submitted to the CFPB was closed XXXX based on XXXX response. I did provide my feedback ; however, this complaint and inaccurate reporting account remains an ACTIVE unresolved issue. Therefore, I am opening up another complaint into the same account. 

XXXX mentioned in their response to the CFPB that " XXXX XXXX XXXX XXXX THE CREDITOR '' told them that the reported status is accurate. I disagree with this conclusion. I do not accept a response based on hearsay. Under 15 U.S.C. 1681i ( 7 ), I have repeatedly asked XXXX to provide the method of verification used to confirm the 100 % accuracy and verifiability of the information on my consumer file. To date, my requests have gone unanswered, and I have not received any proper documentation or proof regarding this account. If the alleged creditor stated that the reported status is correct, why was the payment history updated and modified just after I filed a complaint with the CFPB? You also claim that the date of the last activity is accurate ; how can you be sure of this based on an alleged phone call without having proper documentation and the Method of Verification? Why was the high credit, scheduled payments, date of last payment, closed date, historical account information, and account history been updated and modified, if you have previously certified the account was accurate? This is updated every time I have disputed this account. Each time I submit a dispute, my inquiry is updated/accurate. What exactly are you updating if all prior disputes responses indicate that the account is accurate? This is misleading and a clear violation of my consumer rights. I can see on your website that this account has been disputed on more than one occasion without a thorough investigation, which leads me to believe that this account lacks proper documentation, nor can it be verified or validated. 

Given the recent investigations into XXXX data breaches, I firmly believe my consumer file is being irresponsibly manipulated. Over the past few weeks, I have made several attempts to remind you of your obligations under 15 USC 1681. It seems you are intentionally neglecting to address my concerns. 15 USC 1681e ( b ) guarantees that I am entitled to 100 % accuracy in my report as mandated by federal law. According to 15 USC 1681i ( A.5 ), all unverified information must be promptly deleted after a reinvestigation. 

I am worried about your assertion that the account you are reporting is accurate, especially since Experian and XXXX have also claimed their reports are accurate, despite all three credit bureaus showing different information. I won't specify the various inaccuracies, but I can confirm there are approximately 9-10 fields with conflicting data regarding this account. 

I possess proper documentation, including timestamps of my disputes, the information I requested, and the responses from your bureau. Let me emphasize that I am aware of my rights under the Fair Debt Collection Practices Act, and I will take further action if this issue is not resolved to my satisfaction. Please delete this account immediately, or you may be held liable for {$1000.00} for each violation noted on my consumer report.

As per 15 U.S.C. 1681i ( 7 ), you are required to provide a method of verification. Under 15 U.S.C. 1681e ( b ), you must ensure maximum possible accuracy. Therefore, in accordance with 15 U.S.C. 1666b, I demand that this account be deleted from my credit report immediately due to the inaccurate and unverifiable information you are furnishing. 

I also expect full compliance with all regulations related to credit reporting as outlined in the Fair Credit Reporting Act.