Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Here is an explanation of the relevant Fair Credit Reporting Act ( FCRA ) provisions regarding the accuracy of consumer reports : FCRA Provisions on Accuracy of Consumer Reports The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) establishes strict guidelines to ensure that consumer reporting agencies ( CRAs ), like Experian, XXXX, and XXXX, maintain accurate and fair credit information. Below are the key FCRA provisions related to accuracy : XXXX. Duty of Consumer Reporting Agencies to Ensure Maximum Possible Accuracy Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they include in a consumer report. If inaccurate, incomplete, or unverifiable information is included, the agency may be held liable for damages.

2. Duty to Reinvestigate Disputed Information Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) If a consumer disputes the accuracy of information in their report,
CRAs are required to : Conduct a reasonable reinvestigation of the dispute within 30 days of receiving the dispute.

Notify the furnisher of the disputed information and verify or correct the data.

Delete or correct any information found to be inaccurate, incomplete, or unverifiable.

If the disputed information can not be verified, the CRA must remove it.

3. Notification of Results of Reinvestigation Section 611 ( a ) ( 6 ) ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon completing a reinvestigation, the CRA must : Provide the consumer with a written notice of the results.

Include a copy of the updated consumer report ( if changes were made ).

Explain the consumers right to request that the CRA send corrected information to any entity that received their report within the last two years for employment purposes or the last six months for other purposes.

4. Prohibition on Reinsertion of Previously Deleted Information Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) If information that was previously deleted during a reinvestigation is reinserted into a consumer report, the CRA must : Notify the consumer of the reinsertion within five business days.

Provide the name, address, and phone number of the furnisher of the reinserted information.

Ensure that the information is certified as accurate and complete by the furnisher before reinsertion.

5. Liability for Noncompliance Civil Liability : If a CRA fails to comply with the FCRA, the consumer may recover actual damages, statutory damages ( up to {$1000.00} per violation ), and attorney fees under Section 616 ( 15 U.S.C. 1681n ).

Willful or Negligent Violations : CRAs can be held liable for willful or negligent violations of FCRA requirements under Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

FCRA Provisions on Collections The FCRA ( 15 U.S.C. 1681 ) regulates how debts, including collection accounts, are reported on consumer credit reports. It establishes standards for ensuring the accuracy, completeness, and fairness of information reported by debt collectors, creditors, and credit reporting agencies ( CRAs ). Below are the most relevant provisions : 1. Accurate Reporting of Collections Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) CRAs must adopt reasonable procedures to ensure that any collections reported on a consumer 's credit file are accurate, complete, and not misleading. This applies to information furnished by debt collectors and creditors. 

As stated in reinvestigation dispute that they are incorrect, but they still reinserted back on my consumer report.

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