Consumer complaint received 2024-01-03
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. (MI)

Previously through the CFPB, I requested Experian to investigate this account : XXXX ( XXXX XXXX XXXX XXXX  ) Acct # XXXX for full and complete accuracy. They responded by stating that the information was accurate which was a FALSE statement as I have sent proof that there are MANY inaccuracies on my Experian credit report. According to the FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) A, a person ( creditor ) 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. 
EXPERIAN has allowed and colluded with XXXX XXXX XXXX Bank to violate the above federal statue as well as 15 U.S.C 1681e ( b ) by concluding this investigation as accurate under false premise and by clearly ignoring the facts of the complaint that were presented with PROOF of inaccuracy. 
EXPERIAN is also in violation of 15 U.S.C 1681i ( a ) ( 1 ) ( A ) by not conducting a reinvestigation on the accuracy of my report and just accepting the word of the creditor that the furnished information was accurate. It is the duty of EXPERIAN to DELETE this information it is proven inaccurate and willfully negligent on the part of the creditor. 
Since the conclusion of this investigation new inaccuracies and violations have taken place by EXPERIAN in violation of the FCRA section 623 which states : Key Requirements of Section 623 Accuracy and Integrity of Information. Furnishers of information must create and implement reasonable measures and processes to ensure the accuracy and integrity of the information they are providing to the credit bureaus. This includes providing accurate, and complete, information on their credit history, payment history, outstanding debts, and credit limits. 
Dispute Investigation When a consumer files a dispute about an item on their credit report, the furnisher of the information is obligated to investigate the dispute within XXXX days. If the investigation determines that the information that was reported is incomplete or incorrect, that furnisher is required to let the credit bureau know, and the information must be corrected immediately or removed entirely, from the credit report. 
The violations of FCRA 15 U.S.C. 1681s-2 ( A ) ( 1 ) A and Section 623 by EXPERIAN are as follows : The Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is furnishing false information in reference to account XXXX to the XXXX major credit bureaus including EXPERIAN and has been repeatedly even AFTER being made aware of the inaccuracies. EXPERIAN has colluded with XXXX by reporting this inaccurate information even after EXPERIAN was informed of the inaccuracies of this account and after reporting falsely that an investigation was performed. 
DETAILS OF VIOLATIONS - XXXX has furnished and Experian in reference to account # XXXX has reported a new CHARGE OFF for this account as recent as XX/XX/XXXX when the original Charge off date was in XX/XX/XXXX. This is a clear case of FALSE REPORTING as a CHARGE OFF can only happen once per account. This action by XXXX and Experian has harmed me financially by unlawfully RE-AGING this account with every new Charge Off reported after XX/XX/XXXX by renewing my statue of limitation date for this account. 
- XXXX has furnished a new balance of this account from {$12000.00} to {$11000.00} in order to falsely justify an update on the account. I have not made any payments to XXXX on this account # XXXX since the account was closed. This new balance is false reporting by EXPERIAN as there was NO REASON for the balance to have changed if no payment was made on this account. 

- XXXX is furnishing the Date of Last Activity, Date Last Reported, Date Opened, Payment history, High Credit amount and Date of last payment differently to all XXXX major credit bureaus so EXPERIAN can not know which version of the furnished information is accurate. 
CONCLUSION In light of these multiple violations on the part of XXXX XXXX XXXX Bank and EXPERIAN. EXPERIAN shall remove this account from my credit immediately for noncompliance with the statues of the FCRA. 
Enclosed is PROOF in the form of credit reports of the violations being reported by EXPERIAN on the above named account. If these violations are again ignored or responded to as accurate and continue to report information with actual knowledge of errors in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) A, legal actions shall be taken.