Consumer complaint received 2024-07-11
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. (NJ)

I sent in a dispute on XX/XX/year> and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns.

Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

I'm so confused as to why my investigation resulted with not resolving the issues at hand. I don't see that further issues I brought to your attention was addressed. It doesn't even look like an investigation was done at all on the accounts I've requested an investigation for. I've been sending disputes and to my dismay nothing has happened. I wasn't under the impression that my rights would be violated to this extent. It looks like I'll have to take matters into my own hands and contact an attorney. I am attempting one last time before moving forward with filing a law suit. I want to know the investigation procedures and what did you do to actually investigate my account. Who did you speak to about these accounts? Since you did not do what I asked in my initial letters. I am making the same request again and am expecting a different result. This is what I want addressed below and what actions I want taken to rectify these accounts. Please remove the in dispute comments and any other comments associated with the below mentioned accounts as well. 

SPS : Account number : XXXX, This account is reporting a late payment incorrectly. I have always paid on time. Update my credit report to show the correct payment history and remove the late payment. 

XXXX XXXX XXXX XXXX : Account number : XXXX, It's obvious that a charge-off account showing a balance is inaccurate. I request the removal of this information. 

XXXX : Account number : XXXX, I dispute the late payment reported on this account. It is not accurate. Send me evidence of the late payment or correct my credit report to remove it. 

XXXX XXXX XXXX : Account number : XXXX, The late payment on my report is inaccurate. I have made all payments on time. Please provide documentation proving the late payment or update the account to reflect the correct payment history. 

XXXX XXXX XXXX : Account number : XXXX, This collection account lists incorrect personal information such as my name, address, or Social Security number. This is a violation of my rights under the FCRA. As a consumer by law, this collection account must be corrected or deleted immediately.