Consumer complaint received 2025-06-26 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've submitted this multiple times and provided proof of the problem ad identified how its allowed on experins platform whitch i made them aware of multiple tie allows a furnished of information to mark an account as paid and add the payment ammout to balance due and avoid alerting the consumer of a problem. Also allows the funnier to avoid federal law concerning fcra and charge offThe federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.the failure of furnishers of information, like lenders and debt collectors, as well as credit reporting agencies, to investigate disputes after consumers initiate them. ( 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 2024 ). ) When a consumer identifies incorrect information in their credit report and disputes it, furnishers are required to promptly investigate and update the information if it was indeed incorrect. If the furnisher ( or credit reporting agency ) fails to do so, that's an FCRA violation.i noted over 14 initial violations and when reported yto experin their response was they just put whatever information is furnished and. The status changed to charged off then folding month was charged off now paying with same inflated balance and experin definition of and federal law states a XXXX balance must be had and new contract signed if account is reopened after cha being charged off that being said this fase account status of paid and increasing the balance continued 36 times.Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you have a right to the fair and accurate reporting of your credit information. You're also entitled to certain privacy rights concerning your credit information and protection from the misuse of your credit data.i find it hard to belive experin can monitor everything it does under XXXX services and not fix a problem alowing furnishers to harm consumers while violating fcra and federal banking laws experin is the only platform that allows it i attempted to solve this problem with experin and explained how its being done their investigation resuming more negative fakse information on my report whitch they said was within the law the furnsher whitch submitted multiple claims against and received every response from denying that it was them t nicely worded it wasthemad nothing ican do as they avid the 36 fakse intentionally submitted errors buy blaming me for missed payment how's it possible it said paid on my credit report but by shifting the blame and avoiding answering the complaint of 36 intentionally wrong entries on my consumer credit report they avoid responsibility and the information is still on my report the blame game between experin saying they put whatever they td by furnishers without systemchecksto ensure compliance or investigating correctly there is no way experin can look at the 36 intentionally and wrong submission on my report and even after expanained how its being done on the report they say its right nota violation in compliance so their investigation was either non existent or they are complicit in this harmful information on my report the fact they blam XXXX XXXX blames anything but doesn't address the 36 intentionally and harmful violations of the fcra by blaming XXXX XXXX  and the response is to first base me shifting the blame and avoiding the XXXX false submission of information on my report but they won't so far as to use the cares act as reason for the false information and avoid responsibility or anything else correcting it removing it and not even a 1099c as to verify so they can explain the submitting of fakse information no the issue is not to confused or redirected there are 36 months of inaccurate and fase submissions on my credit report and I went beyond and explained how its being done to experin and the results more negative information the furnisher has every method to avoid addressing the problem of the 36 incorrect entries on my report along with their employer XXXX  the fact is as i exclaimed and evidence I XXXX in each report returned with another way to avoid being accountable this complaint is addressing the faild investigation by experin the lack of concern or assistance whe its obviously wrong on their report and nothing done to correct the report or stop it from happening in the system without experin allowing it the furnisher wouldn't continue doing it but they are each at fault and intentionally after the fact I told experin exactly how they have my XXXX mail and XXXX ability to deny avoid shift blame for the XXXX entries is probably why they have never been held accountable financially my fault for including more information than this and attempting to adress anything beyond the XXXX entries and finable by law under fcra along with it shouldn't be on my report seeking response from experin in detail on how their investigation around the information complaint when its not

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