Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I did an investigation on my credit report, and found several items on there to be inaccurate.

15 U.S. Code 1666B - Timing of payments ( A ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681A - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681C - Requirements relating to information contained in consumer reports.

( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

15 U.S. Code 1681E ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 ( i ) 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; and ( ii ) promptly notify the furnisher of the information that the information has been modified, or deleted from the file of the consumer.

Please modify and remove the following items from my credit report, immediately. The personal information is incorrect. Please modify immediately. 

XXXX XXXX XXXX will be deleted. Account XXXX XXXX XXXX XXXX will be deleted. Account XXXX XXXX XXXX XXXX will report as paid as agreed and closed. Account XXXX XXXX XXXX XXXX will report as paid as agreed and closed. Account XXXX XXXX XXXX XXXX will report as paid as agreed and closed. Account XXXX Remedy relief sought, XXXX, XXXX, experian will modify my consumer credit report as per my directions permitted by title 15 U.S.C 1681B and remove any and all negative items as per my direction. Auto loans and credit cards will report as paid as agreed and closed. All collections removed deleted. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

What Ive uploaded I have sent to the CFO of the companies and their credit dispute mail addresses, and I will make a attempt to upload it to their website.

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