Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This credit bureau clearly did not open a proper investigation on concerns that I have made them aware of dealing with what I have found on my credit report and I am looking for your help to resolve this issue. On XX/XX/2024 I sent in a dispute in regards to accounts with inaccurate information. Ive sent multiple before this last dispute. According to U.S Code 15 U.S.C 1681i ( 5 ) ( A ) ( i ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I am attaching my dispute letter and would like a resolution for the accounts I am referring to. I do not believe the credit bureau is abiding by the FCRA and it is shown based off of my investigation request. The FCRA defines a consumer 's file as all of the information on that consumer that is recorded and retained by a consumer reporting agency, regardless of how the information is stored. I am requesting the documentation provided by the credit furnishers that verified the account information on my credit report. I am requesting the instruments used to determine that the accounts are reporting accurate information. If nothing can be supplied. I believe I was not given a proper investigation according to FCRA standards and my request for the accounts indicated in my letter will be adhered to. XXXX XXXX : Account number : XXXX, Please investigate this late payment and update it to reflect that it has been paid. Please update the late payment to reflect it was paid on time. 

XXXX XXXX : Account number : XXXX, Clearly, an account marked as charged off with a remaining balance is incorrect. Please remove this at once. 

XXXX  : Account number : XXXX, It's evident that a charge-off account with a balance is an inaccuracy. This needs to be removed immediately. 


Failure to comply with these demands will leave me with no choice but to pursue legal remedies available under the FCRA, including filing a formal complaint with the Consumer Financial Protection Bureau and initiating a lawsuit to protect my rights. Currently you are in violation of section 616 of the Fair Credit Reporting Act which states that if a CRA fails to comply with the standards set by the FCRA for investigation practices. Your agency will be liable for damages as a result of non compliance. I have proven that the information reporting is inaccurate and have yet to receive my request. You are also in violation of section 611 ( a ) ( 8 ) which states that the FCRA requires the CRA to provide the consumer with the names and contact information of the furnishers that were the sources of the disputed information. I have requested evidence of the information I am disputing by mail such as representations of documents in which my signatures are associated for allowing these mishaps to report without permissible purpose of my verbal or written authorization. Also I have yet to receive anything from the furnisher or the CRA to show proof of validation that my investigation was indeed carried out. 

I know my rights and have no problem with moving forward with a lawsuit. I also contacted you guys by phone and one of your reps stated to file a FTC report to solve this issue. I believe they were trying to make me do something illegal opposed to addressing my issues. Is that what you guys actually want me to do? 

I want a copy of my credit report with the accounts addressed as I requested!

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