Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

Complaint:
I am contacting you to dispute the above account for which you are reporting to the credit bureaus. 
Information you are reporting is incorrect to my knowledge and I am asking for an investigation into this matter and a full accounting of this reported account be furnished to me. I am also making you aware that I was in full dispute over this account. 
This is all pursuant to the laws set forth under the Fair Credit Reporting Act which your company has an obligation to abide by. 
From my research over this matter XXXX XXXX XXXX is NOT willing to abide by the laws it is mandated by. 
Your company has committed several violations of the Fair Credit Reporting Act, Pennsylvania Fair Credit Extension Uniformity Act and Pennsylvania Unfair Trade Practices and Consumer Protection Law Act. These violations are cited below : 15USC {$620.00} 1681s-2 Duty of Furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information. 
15 USC {$620.00} 1681s-2 Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is DISPUTED BY THE CONSUMER. 
15 USC {$610.00} 1681n Civil Liability for willful noncompliance 15 USC {$610.00} 1681o Civil Liability for negligent noncompliance PA 73 2270.1 Unfair or Deceptive acts or practices ( viii ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the FAILURE TO COMMUNICATE THAT A DEBT IS DISPUTED. 
PA 73 2270.1 Sec ( 5 ) Enforcement and Penalties The information on my credit file from XXXX XXXX being reporting is incorrect ( dates, balances, payment amounts XXXX. I am trying to respectfully reach a quick resolution to this matter with XXXX XXXX XXXX. They can provide me with supporting documentation and facts for the information they are reporting to the credit bureaus. You must notify the ( 3 ) credit bureaus Experian, XXXX and XXXX that this account is in full dispute by me as you are required to do under Federal law and PA state law. You also continue to report incorrect information and fail to correct such. Because of these violations and your willful noncompliance of the above laws you have left me no other recourse but to consider legal action against your company regarding the above infringement of my rights. 

As a final resolution to this matter before legal action is necessary I am offering you the option of deleting this entire account from all three of my credit files, namely Experian, XXXX and XXXX within 15 days of receipt of this letter. I will need in writing your confirmation of such. 
If you fail to comply I will have no other recourse but to file suit in my jurisdiction 30 days from receipt of this letter for violations under the Fair Credit Reporting Act and PA State laws. Please do not take this matter lightly as I will follow through with everything I have stated to you. This is your last chance to resolve this matter without the need for costly time and monetary damages. 

I have already filed complaints with the BBB and the Federal Reserve I hope to hear from you soon and look forward to a respectful and agreeable outcome to this matter. Please do not hesitate to contact me with any questions you may have regarding this matter. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation