Consumer complaint received 2024-05-08
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. (NC)

Collector XXXX XXXX This account is being reported by XXXX, XXXX, and Experian. 

Upon further investigation of this account I have come to a disturbing realization. The payment history is completely inaccurate amongst all credit reporting agencies. 
XXXX has no payment history for this account. XXXX is showing a first delinquency date of XX/XX/XXXX with the balance being 90 days past due. However, on Experian it is showing 30 days past due in XXXX of XXXX. This is XXXX example of the multitude of inaccuracies on this account. Im sure you can see where my concern lies. 
In addition from my XXXX ( XXXX ) Dispute to my XXXX ( XXXX ) Dispute, there was only XXXX update and it is inaccurate. Once looking at the attachments and comparing them, you can clearly see that the status update was moved from XX/XX/XXXX to XX/XX/XXXX. Although my payment was in XXXX, which is when the last status update would have occurred. Please refer to attachments for details regarding this. 
In the comments section of this account, it is said that the high balance between XX/XX/XXXX and XX/XX/XXXX was {$300.00}. However, this is not what the account reflects. The account is showing a high balance of {$410.00}. 
I can not accept this account continuing to be reported knowing that it is inaccurate. It is unlawful. 
Despite federal law obligating the furnisher to rectify the account, it persists with discrepancies. Including missing, inaccurate, and inconsistent information, knowingly reported by the company. 
. Delete this account for inaccuracy and violation of FCRA 623. 
( a ) Duty of Furnishers of Information to Provide Accurate Information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) 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. 


The following is the obligation listed by the CFPB pertaining to companies ' responsibility to remove unverified information. 
The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as Experian, XXXX, or XXXX. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 
If a company furnishing disputed information to a credit reporting agency can not ascertain its accuracy, the law mandates informing the credit reporting company that the information can not be verified, prompting cessation of reporting. Despite this, some companies argue that if they can not confirm the disputed information as false, they are entitled to instruct the consumer reporting company to persist in providing it on reports. This stance is incorrect, as clarified by the CFPB and FTC. The FCRA imposes specific obligations on companies regarding unverifiable information. Such requirements would lose their meaning if companies could perpetuate the provision of unverified information and instruct credit reporting companies to continue dissemination. 
If this account is not deleted I will have means to assume this is an act of willful noncompliance which is punishable by the following : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.