Consumer complaint received 2024-12-09 00:00:00
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.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX : XX/XX/XXXX Last 4 of SS # : XXXX XXXX XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Experian for FCRA Violations Related to XXXX XXXX XXXX  Account Dear CFPB Representative, I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in handling disputes regarding an account reported by XXXX XXXX XXXX. Despite multiple disputes, substantial evidence, and actions by both XXXX and XXXX to delete this account due to inaccuracies, Experian has continued to return this account as " certified accurate '' without supplying the required details of their investigation or a proper Method of Verification ( MOV ). 
Account Details Furnisher Name : XXXX XXXX XXXX  Account Number : XXXX Violations by Experian XXXX. Failure to Investigate Disputed Information ( FCRA 611 ( a ) ) I disputed inaccurate late payments for XX/XX/XXXX ( 30 days late ) and XX/XX/XXXX ( 60 days late ). 
Despite these disputes, Experian continues to report this account inaccurately without demonstrating evidence of a proper reinvestigation. 
XXXX. Failure to Correct Inaccurate Information ( FCRA 623 ( a ) ( 1 ) ( B ) ) An email from XXXX XXXX ( a division of XXXX XXXX XXXX  ) dated XX/XX/XXXX, confirms my payment was only 10 days late and not reportable to credit bureaus. 
XXXX deleted this account following their investigation in XX/XX/XXXX, and XXXX did the same in XX/XX/XXXX. Despite this, Experian continues to report these late payments inaccurately. 
XXXX. Failure to Include Dispute Notation ( FCRA 623 ( a ) ( 3 ) ) Experian has not included the legally required " Account in Dispute '' notation, demonstrating non-compliance with FCRA. 
XXXX. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) Experian has repeatedly failed to provide a detailed Method of Verification ( MOV ), including the sources and procedures used to verify the accuracy of this account. 
XXXX. Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) Case law establishes that a credit reporting agency ( CRA ) can not rely solely on data provided by the furnisher but has an XXXX XXXX to ensure maximum possible accuracy. 
Experian 's reliance on XXXX XXXXXXXX XXXX XXXX data, despite contradictory evidence and actions by other CRAs, demonstrates non-compliance with this obligation. 
Supporting Evidence 1. XXXX  XXXX Email XXXX Dated XX/XX/XXXX, confirming my payment was only 10 days late. 
XXXX. XXXX and XXXX Investigations : XXXX deleted this account in XX/XX/XXXX. 
XXXX deleted this account in XX/XX/XXXX. 
XXXX. Experian Credit Reports : Reports dated XX/XX/XXXX, and XX/XX/XXXX, showing inaccuracies. 
XXXX. Certified Mail Records : Confirming delivery of disputes to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Requested Actions XXXX. Require Experian to delete the reporting of XXXX XXXX XXXX  for failing to meet FCRA 2. 3. r e q u i r e m e n t s. 
Enforce penalties for Experian 's failure to investigate disputes and provide a Method of Verification. 
Mandate Experian 's compliance with its legal duty to ensure maximum possible accuracy in my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX 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