Consumer complaint received 2024-03-27
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)

From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX sent Experian detailed notices disputing the accuracy of his credit reports with respect to XXXXXXXX XXXX credit card debt. Specifically, XXXX disputed the patently false date of first delinquency and inaccurate payment history. Upon receiving the XXXX  initial dispute, Experian, communicated the XXXX dispute notices to XXXX Bank. Initially, neither Experian, nor XXXX conducted a reasonable timely investigation after receiving the consumers dispute notices, resulting in the continued reporting of false and misleading derogatory information on the consumers credit reports with respect to XXXXXXXX XXXX debt. After receiving dispute responses from Experian that continued to contain false and inaccurate derogatory information with respect to XXXXXXXX XXXX debt, the consumer again sent Experian detailed notices disputing the accuracy of his credit reports. Experian continued to report false and inaccurate derogatory information on the consumers credit reports with respect to XXXXXXXX XXXX debt, alleging XXXXXXXX XXXX verified the accuracy of the information reported. Responding on XXXX XX/XX/XXXX to a CFPB XXXX XXXXXXXX XXXX asked the Consumer to understand that XXXXXXXX XXXX is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the credit reporting agencies have their own policy for reporting the information that is displayed. [ XXXX ] Seeking relief, XXXX filed a complaint with his states Office of the Attorney General on or around XXXX XX/XX/XXXX. Specifically consumer alleged the XXXXXXXX card account XXXXXXXX was reporting with derogatory information that was false/misleading/inaccurate/incomplete and that neither Experian nor XXXX had fixed the inaccuracies in the account/tradeline. On or around XXXX XX/XX/XXXX XXXX responded to state 's AG alleging XXXX was accurately reporting the status of the account to the CRAs ( see attached docs ). On or around XXXX XX/XX/XXXX Experian responded to AG regarding XXXX account XXXX stating the account was reporting with no late payment history and that the history was accurate as reported and provided justification ( see attached docs ). On or around XXXX XX/XX/XXXX consumer filed CFPB complaint XXXX against Experian with an attached dispute notice for XXXX. The consumer requested relief from Experian to include placement of a XXXX statement in his Experian consumer file for XXXX. This request for relief was placed both in the body of the complaint 's " resolution '' section AND was placed in the dispute notice attached to XXXX. The instructions permitted the statement to be removed IF AND ONLY IF the account ( a ) began reporting with no derogatory information ( XXXX ) XXXX was blocked from supplying updates for the account/tradeline. While these brief statements do not alter information in Credit files CRAs keep on consumers, the DO add to the in- formation provided by furnishes and transmitted to potential creditors. And because those statements can inform a consumers creditworthiness, they help achieve the maximum possible accuracy at the core of a CRAs obligations. See XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. 
XXXX ). ( Chaitoff v. Experian Information Solutions , Inc., XXXX. XXXX ( XXXX XXXX  XXXX ) Under XXXX ( c ) when a consumer disputes information in their credit file and such disputes are found not to be frivolous, in all subsequent credit reports containing the item ( XXXX ) of dispute, CRAs are required to note that the information is disputed by the consumer and provide either the consumers [ supplied ] statement or a clear and accurate codification or summary thereof. Although the consumer provided a XXXX statement to Experian as part of the his notice of dispute in CFPB complaint XXXX, neither the XXXX XXXX statement, nor an accurate codification thereof appear in XXXX credit file. Experian responded to XXXX on XXXX XX/XX/XXXX alleging XXXX verified the information reported by Experian was XXXX  accurate. '' As of XXXX XX/XX/XXXX account XXXX Consumers credit file continues to report with : ( a ) a patently false DoFD that does not match the payment history for XXXX account XXXX ; AND ( b ) a false/misleading/inaccurate/incomplete or otherwise patently false payment history ; AND ( c ) no statement or codification Consumer 's supplied statement. XXXX last filed a dispute with Experian for account XXXX on or around XXXX XX/XX/XXXX. XXXX again notified Experian of the false DoFD for the account and a false/misleading/inaccurate/incomplete payment history. XXXX provided documentation that included a copy of Experians own statement to XXXX on or around XXXX XX/XX/XXXX. Upon receiving XXXX notice of dispute, Experian communicated the dispute notice and supplied documents to XXXX. Upon receiving responses from XXXX, Experian continues to report the false/misleading/inaccurate/incomplete payment history and patently false DoFD. Experian provided alleged results in response to XXXX XXXX XX/XX/XXXX dispute on XXXX XX/XX/XXXX. In those results Experian alleges a re-investigation was conducted and the information now reports accurately for the XXXX card account XXXX, and that the information was updated and verified by XXXX. The XXXX card account XXXX information in Experians files for Consumer continue to report a patently false on record until date of XX/XX/XXXX, which implies an alleged DoFD of XX/XX/XXXX. The XX/XX/XXXX payment rating does not reflect a default, ie. a payment that was XXXX ( XXXX ) days past-due preceded by an on-time payment. The XXXX XX/XX/XXXX Experian response to XXXX makes clear the account should be reporting with XXXX derogatory information and provides the justification. As a result of the conduct of Experian and XXXXXXXX XXXX as alleged above from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, the XXXX has suffered severe ongoing emotional harm including and not limited to frustration, stress, anxiety, worry, damage to reputation, and economic losses including and not limited to damage to his credit, lower credit scores, and lost opportunities to receive credit.