Consumer complaint received 2024-03-20
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. (MD)

RE : ( DISPUTES ) XXXX, XXXX, XXXX. RE : XXXX. According to the FCRA, the consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681. How can that be true if Experian has been ( and still is ) reporting multiple inaccuracies on my consumer report for months after completing their investigations of disputed accounts. The FCRA requires Experian to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The FCRA also requires Experian to send notification to consumers when negative information has been added to their credit reports, including the potential impact of such notification on the ability of consumers to identify errors on their credit reports ; and the potential impact of such notification on the ability of consumers to remove fraudulent information from their credit reports. 
Below ( and attached ) is a list of accounts that have inaccuracies, incompletions, and inconsistencies that were deemed verified, updated, and never accurately corrected per FCRA guidelines while disputed. Per the FCRA, If disputed information can not be accurately corrected it must be deleted : XXXX. XXXX XXXX XXXX : Recent XX/XX/XXXX reinvestigation results by Experian show Updated yet Highest balance shows {$3300.00} and Account Status reports {$3300.00} written off but account remarks report paid in full for less than full balance and comments show account paid in full or less than full balance - ALL CAN NOT BE ACCURATE. There is no paid as agreed in month ( s ) reflecting this in payment history. Account INACCURATELY shows CHARGE OFF in months between XX/XX/XXXX to XX/XX/XXXX - ( if paid in full why is it showing charge off and not paid as agreed in history to reflect payments ). High balance shows {$3300.00} and credit limit shows {$2700.00} - ( months reflecting the actual credit limits not listed, INACCURATE, or INCOMPLETE ). INCOMPLETE data for XX/XX/XXXX. This account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 THEN IT SHOULD HAVE BEEN DELETED. *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX XXXX XXXX XXXXXXXX : Account status shows paid, closed. {$2700.00} written off but INACCURATELY reporting CHARGE OFF. Payments made but not reporting in historical payment history months in XXXX, XXXX, XXXX, and XXXX. Remarks state Account previously in dispute - investigation complete, reported by furnisher, per FCRA Section 611 ( a ) ( 1 ) a CRA must conduct a " reasonable reinvestigation '' whenever a consumer disputes the accuracy or completeness of any information in their file, based on the INACCURATE errors this was not done. This account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXXXXXX : Account comments show paid in full for less than full balance and status shows Paid in settlement. {$1000.00} written off. and Highest balance reports {$1000.00} - ALL CAN NOT BE ACCURATE. Date opened reports XX/XX/XXXX but INCOMPLETE data from XXXX to XX/XX/XXXX - INCOMPLETE DATA but this account was updated and verified according to EXPERIAN. Account shows CHARGE OFF on XX/XX/XXXX without reporting 30, 60, 90, 120, 150 in prior months - INACCURATE. Account INACCURATELY shows CHARGE OFF from XX/XX/XXXX to XX/XX/XXXX- if payments made why is CHARGE OFF reporting and why is CHARGE OFF reporting every month from XX/XX/XXXX to XX/XX/XXXX. High balance shows {$1000.00} and credit limit shows {$700.00} ( months reflecting the actual credit limits not listed - INCOMPLETE ), how could this account have been reinvestigated if remarks and data do not reflect properly, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX. XXXX XXXX XXXX XXXX : Account comments shows account was purchased by another lender and Status updated shows XXXX XXXX if investigation was done why is account still reporting by XXXX XXXX XXXXXXXX -Violation of Section 604 ( b ) of the Fair Credit Reporting Act ( FCRA ). Status reports Closed. {$11000.00} written off. and Original balance reports {$11000.00} and Company sold reports ACCELERATED INVENTORY MGT - ALL CAN NOT BE ACCURATE. This account was disputed multiple times and information is still reporting INACCURATE, *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX. XXXX XXXX XXXX XXXX Recent XX/XX/XXXX reinvestigation results show Updated while account has been INACCURATELY reporting payment data in XXXX and Status updated date of XX/XX/XXXX remains un-changed. Payments in XXXX not reporting - INCOMPLETE and INACCURATE. High balance shows {$1700.00} and credit limit shows {$1500.00} - ( months reflecting the actual credit limits not listed or INCOMPLETE ) account reports Date opened as XX/XX/XXXX with no payment history data until XX/XX/XXXX - INCOMPLETE. This account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE AND/OR COMPLETE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Experian investigation from XX/XX/XXXX states The company that reported the information has CERTIFIED to Experian that the information is accurate but CHARGE OFF INACCURATELY reporting every month from XX/XX/XXXX to XX/XX/XXXX - HOW CAN AN ACCOUNT BE CHARGED OFF EVERY MONTH FOR 25 CONSECUTIVE MONTHS and remain accurate - BOTH CAN NOT BE ACCURATE. INCOMPLETE data reporting for XX/XX/XXXX. Balance updated date reports XX/XX/XXXX but Status updated date reports XX/XX/XXXX - BOTH CAN NOT BE ACCURATE. Account reporting a {$900.00} highest balance, a {$590.00} written off status, and yet showing a remaining balance of {$900.00} is INACCURATE but Experian maintains it is accurate after reinvestigation. This account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE. *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE AND/OR COMPLETE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX XXXX XXXX XXXX XXXX  XXXX : Experian reinvestigation results in XX/XX/XXXX noted this account was Updated but still reporting INCOMPLETE and INACCURATE data. Account Comments report Account paid in full for less than full balance but INCOMPLETE reporting from XX/XX/XXXX to XX/XX/XXXX. Account INACCURATELY reports CHARGE OFF for the month of XX/XX/XXXX. Account Status INACCURATELY reports {$4700.00} written off. This account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE. IF THIS ACCOUNT CAN NOT REFLECT ACCURATE AND/OR COMPLETE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 
XXXX. XXXX XXXX XXXX XXXX XXXX : - INACCURATE. At request, Experian is suppose to conducted their investigation per FCRA 15 U.S. Code 1681d which defines a investigative consumer report as a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer., then were did they get this information - IF THIS DID NOT OCCUR HOW WAS THIS ACCOUNT VERIFIED AND UPDATED. XX/XX/XXXX reinvestigation results show Updated while Status updated date of XX/XX/XXXX remains un-changed but is inconsistent with reporting of other major CRAs including the Date Opened dates field. Account disputed multiple times with no explanation of how it was updated or verified. - *IF THIS ACCOUNT CAN NOT REFLECT ACCURATE AND/OR COMPLETE DATA AFTER REINVESTIGATION PER 15 U.S. Code 1681 IT MUST BE DELETED. 

To be clear, this is NOT a request to reinvestigate it is a demand to DELETE due to the FAILURE to properly reinvestigate. Per FCRA 15 U.S. Code 1681e ( b ), 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. If the disputed information is incomplete, incorrect, and inaccurate how did Experian assure maximum possible accuracy of the information concerning the individual ( me ) about whom the report relates if the inaccurate, incomplete, and incorrect information is still reporting on my consumer report? based on the provided information they did not. 

To note : Any person who willfully fails to comply with any requirement specified under the FCRA concerning a consumer is accountable to that consumer for a sum comprising : A - The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00} ; or B - In the instance of a natural person being liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, the greater of actual damages sustained by the consumer or {$1000.00}. 
Punitive damages determined by the court ; and In the event of a successful legal action to enforce any liability under this law, the costs incurred during the action, along with reasonable attorney 's fees, as decided by the court.