Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
I am filing this formal complaint due to repeated violations by Experian regarding the accuracy of my credit report information. Despite numerous attempts to correct these discrepancies through both online and mail-in disputes, the issues remain unresolved. Therefore, I am demanding the deletion of these entries due to the repeated failure of the bureaus to provide consistent and accurate reporting.

My Dispute History Online Disputes : I initially submitted online disputes to address the inaccuracies, but each attempt was dismissed without adequate investigation or correction.

Mail-In Disputes : After online disputes failed, I sent two formal disputes by mail, including clear documentation of the discrepancies among reports. However, the inaccuracies persist, reflecting Experian 's inability to ensure consistent data reporting. 
Inconsistent Reporting Issues The discrepancies I am disputing include : Inconsistent Payment History : The payment history reported by each credit bureau varies, with differing degrees of delinquency ( e.g., 30, 60, 90 days ). These conflicting reports misrepresent my payment history and show a lack of accuracy in record-keeping. 
Date of Last Activity ( DOLA ) Inconsistencies : The DOLA reported for the same accounts is inconsistent across the credit bureaus, leading to further inaccuracies.

I am not disputing that the payments were late ; however, the inconsistent reporting across credit bureaus violates FCRA standards for accuracy and fairness. Since Experian has failed to align the reporting despite repeated disputes, I am demanding the complete deletion of the disputed entries. 

Violations of the FCRA and Relevant Court Cases FCRA Section 1681e ( b ) - Maximum Possible Accuracy Requirement : This section mandates that each credit reporting agency maintain maximum possible accuracy in its reports. The persistent discrepancies among Experian, XXXX and XXXX clearly violate this requirement. 

FCRA Section 1681i ( a ) - Reinvestigation Obligation : This provision requires credit bureaus to conduct a reasonable reinvestigation of disputed information. By allowing inconsistencies to persist, Experian is failing to conduct a meaningful investigation or correction.

FCRA Section 1681c ( a ) - Obsolete Information and Reporting Standards : The inaccuracies in DOLA across the bureaus may result in misleading the timeline for reporting these accounts. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case mandates that credit bureaus conduct a reasonable reinvestigation and not rely solely on automated responses. The lack of thorough investigation by Experian in my case fails to meet this standard. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : In XXXX, the court emphasized that credit bureaus can not defer entirely to creditors without independent verification. The unresolved inconsistencies in my report indicate that Experian has not met this obligation. 

XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case supports that inaccuracies that harm consumer creditworthiness are clear violations of FCRA standards. The inconsistencies in my report directly impact my credit profile and reflect a failure by Experian to uphold these legal standards.

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