Consumer complaint received 2025-01-20 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: NJ

Complaint narrative:
This is my third dispute concerning the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my Experian credit report. Despite my previous attempts to resolve this issue, no proper resolution has been provided, and this ongoing error continues to misrepresent my creditworthiness. I have consistently made timely payments, yet Experian reports the payment status as " Current, was past due 30 days, '' while XXXX and XXXX correctly show it as " Paid or paying as agreed. '' Additionally, for payment history, Experian inaccurately marks it as late, whereas XXXX reflects no late payments. This ongoing discrepancy is unacceptable and constitutes clear violations of several federal laws, including 15 USC 1666b ( a ), which prohibits treating payments made within the agreed timeframe as late ; 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; and 15 USC 1681s-2 ( b ), which mandates that furnishers of information investigate and correct inaccuracies after receiving a dispute notice. Moreover, this error breaches 15 USC 1681i ( a ), which obligates credit reporting agencies to conduct a timely and thorough reinvestigation of disputed information. The continued failure to resolve this issue, despite my previous disputes, shows a pattern of willful negligence as defined in 15 USC 1681n, which allows for damages of up to {$1000.00} per violation for willful noncompliance. Additionally, negligent noncompliance, as outlined in 15 USC 1681o, holds furnishers liable for actual damages sustained due to such inaccuracies. Furthermore, this issue violates 12 U.S.C. 5531, which mandates that consumer financial services must adhere to clear, fair, and transparent practices. This includes the accurate handling of disputes and reporting of credit information, which XXXX has failed to do. Additionally, 15 U.S.C. 1681g ( e ) applies, as it requires that credit reporting agencies provide proper documentation when fraudulent accounts are reported. XXXX failure to provide such documentation and correct the fraudulent account is a violation of this law. Furthermore, 15 U.S.C. 1681a ( q ) ( 3 ) underscores that the reporting of fraudulent accounts, as in my case, amounts to identity theft and must be properly addressed. The fact that this issue remains unresolved after multiple attempts is causing undue stress and harm to my credit score. I demand immediate correction to reflect the accurate data reported by XXXX and XXXX, and I request written confirmation of the updates made to my credit file. Should this matter not be addressed promptly, as required by law, I will pursue further legal action to ensure my rights are upheld.

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