Consumer complaint received 2024-06-07
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)

This notice is correspondence to an update on the following account disputes where you stated the following person ( s ) making the report, certified to your agency that they are reporting accurately without providing any documentation I requested in your investigation results as per 15USC1681i ( 7 ). 
According to 15USC 1681i ( 7 ) you shall notify me with a description of the results of your investigation. 
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description. 
All inaccurate or unverifiable information furnished must be removed pursuant to 15USC 1681i ( 5 ). 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the fileof the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the fileof the consumer. 
Please remove the following accounts from my consumer report : The following installment account with an alleged balance of {$210.00} is not in XXXX XXXX Compliance and has XXXX late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received XXXX days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original disclosure sent to me from the person making the report, XXXX days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. This data is excluded from my report. Why are there late transactions furnished? Remove this inaccurate data. 
Company Listed : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Opened Listed : XX/XX/XXXX The following installment account with an alleged balance of {$130.00} is not in XXXX XXXX Compliance and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received XXXX days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, XXXX days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. This data is excluded from my report. Why are there late transactions furnished? Remove this inaccurate data. 
Company : XXXX XXXX XXXX  Account Number : XXXX Date added : XX/XX/XXXX The following installment account with an alleged balance of {$520.00} is not in XXXX XXXX XXXX and has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received XXXX days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, XXXX  days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. This data is excluded from my report. Why are there late transactions furnished? Remove this inaccurate data. 
Company : XXXX XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX The following installment account that is paid off has late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received XXXX  days before the late payment was reported, containing disclosures from XXXX XXXX ( B ). Please provide me with the original statement sent from the person making the report, XXXX days before each late transaction was furnished. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there late transactions? Remove this data. 
Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX According to 15 USC 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency MAY furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions or permissible purpose to furnish data on my consumer report? If so, please provide the original consumer agreement with my signature that gave written authorization. 
REMOVE THE ACCOUNTS LISTED OR ALL LATE TRANSACTIONS FURNISHED IN EACH ACCOUNT! 
According to 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of information is found to be inaccurate, incomplete or can not be verified the Consumer Reporting Agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15USC1681 ( e ) it is your obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report by making each person or furnisher of data provide an original signed contract with written authorization the consumer gave them to contact you with nonpublic personal information - ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 
To prevent from being a future victim of identity theft pursuant to 18USC1028 ( A ), I am requesting your agency to remove all other names, addresses and phone numbers ; update it to only the following : FULL NAME : XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX CURRENT EMPLOYER : XXXX XXXX XXXXXXXX CURRENT PHONE NUMBER : ( XXXX ) XXXX PLEASE REMOVE ALL OTHER PERSONAL INFORMATION FURNISHED ON MY CONSUMER REPORT.