Consumer complaint received 2024-02-01 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: MA

Complaint narrative:
In XX/XX/XXXX and again in XX/XX/XXXX I requested both XXXX and Experian remove XXXX XXXX XXXX XXXX from my consumer report. As a federally protected consumer these agencies have a duty to report complete and accurate information. Despite it clearly stating in the data reported by XXXX XXXX XXXX XXXX, I opened the account in XXXX nothing was reported until XXXX when because of the pandemic I was unable to make the XXXX payment. Although I had not ever had a late payment until that time. XXXX had never reported the positive payments from XXXX only the negative ones. The total debt was almost XXXX, I was forced to do a warranty in lieu of deed for just under XXXX in XXXX. I contacted the company to seek relief before falling behind and found No assistance was offered even tho people could not even travel or use timeshares at that time. My only option was the Warranty in Lieu of deed. I did strongly state that this should not be reporters to my credit report now especially in light that it was never reported before. I then contacted the reporting agencies to remove the inaccurate information once I saw it was in fact reported and they refused to do so. This is my personal information and I have a federally protected right that it be reported accurately. Under 15 USC 1681 pure accuracy is what is expected in consumer reports and the reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Further there is a need to insure that consumer reporting agencies excerise their grave responsibilities with fairness, impartiality, and a respect to the consumers right to privacy. It is clear from my 2 attempts to have these entries removed that these agencies have not done what they are supposed to be doing. It is the purposes of this subsection to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR and EQUITABLE to the CONSUMER, with regard to the confidentially, ACCURACY, relevancy and proper utilization of such information in accordance with this subsection. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX violated this subsection and has done so thru the consumer reporting credit agencies XXXX and Experian. Violating 15USC1681 as well as 15USC1681b the privacy Act of XXXX and 16 CFR 433.2 as they have both twice now dismissed my complaint, a clear violation of the above referenced federal consumer protections. In addition I reported to both agencies that XXXX, another consumer credit reporting agency does NOT have this information anywhere on my consumer report. Under 15 USC 6802 I the consumer choose to opt out of this account to be reflected be anywhere on any of my consumer report files. The XXXX report should be identical and currently they are 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