Consumer complaint received 2024-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE IMMEDIATELY THE FOLLOWING ACCOUNT : I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNT AND THE bureau has verified on my credit report regarding the following account : Account Name : XXXX XXXX XXXX Account Number:XXXX While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically, 1. Current Balance : Experian does not report a balance, while XXXX and XXXX list {$0.00}. This inconsistency creates confusion, as all agencies should show the same balance.

2. Date Last Active : XXXX reports the last active date as XX/XX/XXXX, which appears to be an error since it is a future date. 
XXXX shows XX/XX/XXXX, and Experian lists XX/XX/XXXX. This discrepancy should be investigated. 
3. Date of Last Payment : XXXX lists the date as XX/XX/XXXX, while XXXX and Experian report XX/XX/XXXX. The difference of a few days could be an error if the payments were made simultaneously. 
4. Payment Status : XXXX states that the account was 60 days past due.

Experian mentions the account was past due 30 days two or three times. 
XXXX says

" not more than three payments past due ''. These descriptions do not match and should be consistent. 5. Account Comments : XXXX specifies " Account Closed by Credit Grantor '', while XXXX says " Canceled by Credit Grantor ''. Although similar, the wording differs, which could create confusion.

6. Last Reported Date : XXXX lists the reported date as XX/XX/XXXX, which appears incorrect since it is a future date. XXXX and Experian show XX/XX/XXXX, which seems more accurate.


7. Credit Limit : All credit bureaus correctly report a credit limit of {$500.00}, so no error is present here. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account. 2. Verification Issues : According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account. 3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report. 4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information. I believe 100 % AND THE PROOF IS ATTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process. Specifically, I wish MORE POINT AND VIOLATION HAVE THE EXPERIAN TO MY RIGHT AFTER THE INVESTIGATION THE ACCOUNT HAVE DISCREPANCIES AND INACCURATE : 1. Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my
concerns.

2. Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

3. Duties of Furnishers of Information ( 15 U.S. Code 1681s-2 ) : The furnishers of the disputed information did not adequately investigate or rectify the inaccuracies after being notified of my dispute, as required by law.

4. Transparency and Accuracy ( TILA, 15 USC 1601 ) : The information provided in my credit report has not been accurate or transparent, violating my consumer rights.

5. Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

6.

7. 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

8.

9. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

I am requesting that the CFPB investigate this matter and take appropriate action against EXPERIAN for their failure to comply with the FCRA and TILA. Additionally, This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately.

Thank you for your attention to this matter. I look forward to your response.

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