Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2023 I received a copy of my credit report from XXXX, XXXX and Experian. After receiving my report, I noticed that there were inaccuracies on some of my accounts. I sent letters to XXXX, XXXX and Experian on XX/XX/2023 asking them to investigate the accounts and ensure that they are 100 % accurate ( see attached documents for tracking numbers and letters ). XXXX received my letter on XX/XX/2023 at XXXX. XXXX received my letter on XX/XX/2023 at XXXX. Experian received my letter on XX/XX/2023 at XXXX. I received letters back from XXXX and Experian showing that they had completed their investigations into the accounts. 

I did not receive a letter back from XXXX. It has been 30 days since my letter was received. I waited 5 business days to allow for their letter to be delivered to me. XXXX is in violation of the FCRA. It states that after completing or terminating a re-investigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ). 

I received a new copy of my credit report from XXXX, XXXX and Experian on XX/XX/2023. This is 30 days after my letters were received. Upon looking at my reports, I noticed that there were still inaccuracies. 

I asked each bureau to investigate and ensure that each account was accurate. How can they be accurate if each bureau is reporting different information? It is every bureaus responsibility to make sure my information is accurate. People look at my credit to make decisions about me. I don't get to represent myself, I have to rely on the bureaus to do that for me. It is a disservice when a bureau does not report information accurately. That's why congress stated in the FCRA that " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' XXXX, XXXX and Experian are in violation of the FCRA. 

The FCRA states the following : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 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 file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

I have attached a copy of my report before and after the investigation process with all inaccuracies circled. I will also be filling a complaint with the XXXX  and my states Attorney General 's Office.