Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I'M NO LONGER ASKING FOR A RE-INVESTIGATION. I'M REQUESTING A DELETION OF THE ACCOUNT, AFTER SEVERAL OPPORTUNITIES FOR EXPERIAN TO UPDATE THE ACCOUNT TO MAKE IT ACCURATE. 

XXXX XXXX XXXXXXXX XXXX XXXX. Last Verified is blank. How could that be? INACCURATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED 2. Date of Last Activity reporting XX/XX/XXXX, but last payment is reporting XX/XX/XXXX this is INACCURATE. DELETE THE ACCOUNT IF CAN NOT BE VERIFIED. 
XXXX. Account status is reporting closed, but no closed date is reported and the date closed. INACCURATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED XXXX. Last Payment : XX/XX/XXXX, but " Payment Amount '' is {$0.00}. If there was a payment XX/XX/XXXX they how much was actually paid. DELETE THE ACCOUNT IF CAN NOT VERIFIED XXXX. High balance is reporting {$0.00}. How care this be, when the account is showing {$2300.00} past due and a limit of {$2500.00}. INACCURATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED 6. Date of First delinquency is not being reported. INACURRATE REPORTING. DELETE THE ACCOUNT IF CAN NOT VERIFIED Experian is violating the following FCRA reporting requirement : under 15 U.S.C. 1681i : 1. Reinvestigation of Disputed Information When a consumer disputes the accuracy of information in their credit file, the credit reporting agency ( CRA ) must : Conduct a reasonable reinvestigation within 30 days to verify the accuracy of the information.

Promptly delete or correct any inaccurate, incomplete, or unverifiable information.

The CRA must provide notice to the furnisher of the information and include all relevant evidence supplied by the consumer.

AND Duties of Information Furnishers ( 15 U.S.C. 1681s-2 ) : Duty to Provide Accurate Information ( 1681s-2 ( a ) ) : Prohibition on Reporting Inaccurate Information : Furnishers of credit information, like lenders, are required to provide accurate information to credit bureaus. They can not knowingly report incorrect or misleading information.

Duty to Correct and Update Information : If they learn that the information previously provided is inaccurate, they must promptly correct or delete that information.

Duty to Notify CRAs of Delinquencies : When reporting information about delinquent accounts, furnishers must ensure they accurately reflect the date of delinquency to help credit bureaus calculate how long that negative information can stay on a consumers credit report.

Duties Upon Notice of Dispute ( 1681s-2 ( b ) ) : Investigation of Disputes : When a consumer disputes information on their credit report directly with a CRA, the furnisher is obligated to investigate the disputed information after receiving notice from the CRA. They must report the results of the investigation back to the CRA, correct any inaccurate information, and ensure the consumer is informed of the results.

Continuing Accuracy of Information : If a consumer successfully disputes a report, furnishers must ensure the corrected or updated information remains accurate going forward.