Consumer complaint received 2024-11-07 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: CA

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX account listed above. Your company has been reporting inaccurate and incomplete accounts on my consumer report. The Fair Credit Reporting Act ( FCRA ), pursuant 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Your company is violating 15 U.S.C 1681 and violating the FCRA for not properly verifying the accuracy of accounts listed on above.

I have mailed in a written request asking for proper verification of the XXXX XXXX XXXX account listed above, and I have not gotten a proper verification. I have also mailed a written request directly to XXXX XXXX XXXX to validate this debt the claim I owe, and they have not responded. I have requested Experian to provide me with your methods and procedures, used to determine the accuracy and completeness of the information. According to the FCRA laws, a description of the investigation process must be made available to me, describing the investigation process. What procedures and methods did your company follow to determine that the disputed information was indeed accurate and verified? The enclosed correspondence that I received from Experian via email does not meet the compliance procedures pursuant 15 USC 1681 ( a ) ( e. 

15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

I request your company do a reinvestigation that is in compliance with Section 611 ( 5 ) ( A ) of the FCRA law listed above. Consumer Reporting Agencies responsibilities are to ensure the accuracy of the accounts being furnished on a consumer 's report and CPAs responsibility consist of promoting a fair, complete, and accurate consumer report. Your company can not verify my accounts by saying you contacted the original creditor, and the accounts I disputed are verified. There must be a proper investigation that complies with the FCRA laws. Simply using E Oscar or an automatic system is not conducting a proper investigation and does not meet the compliance procedures pursuant XXXX USC 1681 ( a ) ( e. 

XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Experian, the courts all ruled that the consumer reporting agencies could not just use E Oscar as a proper verification process, furthermore, they must do a reasonable investigation and comply with the FCRA laws. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( a ), I have notified Experian numerous times showing the inaccurate items being furnished. My consumer report should be 100 % accurate. The term accurate means free of error. If something is not accurate on my consumer report, I have the write to challenge it and get it removed The date open is reporting different on XXXX and Experian. How is this information accurate when it has two different dates the account was opened. 
The date of last activity is also reporting inaccurately on XXXX and Experian. 
My payment history is inaccurate. How can I be 60 days late in XX/XX/year>, but my payment was on time in XX/XX/year>.

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