Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The following account was charged off in XX/XX/XXXX. I noticed some issues recently on my credit report with Experian so I submitted a dispute for investigation. 

ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... 

1- First dispute was filed, with results coming back as " verified '' and " updated '' on XX/XX/XXXX dispute XXXX. No updates to the errors were made. 
2- I submitted a second dispute for them to check again because I saw the some inaccuracies. The results came back as " verified '' and " updated '' on XX/XX/XXXX dispute XXXX. No updates to the errors were made. Experian also did not provide the names, phone numbers, or any contact information with whom they " verified '' this account. 
3- I submitted a THIRD dispute, with results coming back EXACTLY THE SAME : " verified '' and " updated '' on XXXX dispute XXXX. ABSOLUTELY NO UPDATES TO THE ERRORS WERE MADE. 

The account reporting on my consumer report remains inaccurate and my rights to a 100 % ACCURATE CREDIT REPORT are being violated. This account was " investigated '' THREE TIMES. I am invoking my rights under 15 USC 1681i.

Issues : 1- Account was charged off as of XX/XX/XXXX - the balance remains open {$680.00} 2- Payment status repeatedly reported as C/O month over month - this is reporting payment history which is inaccurate and extends the statue of limitations 3- Past due amount listed as {$680.00} - it was charged off on XX/XX/XXXX and SHOULD READ XXXX XXXX Creditor would report charge off to IRS and I did NOT receive a 1099c for my filings 5- Charge off on consumer report is INCOME - income is not reported on any consumer credit report You are in willful noncompliance of the following even after aforementioned investigation. I demand this account be deleted from my consumer report immediately.

Attached are all of the results of each of the 3 disputes filed which failed to properly uphold my federal rights to a 100 % accurate credit report. Also attached are my drivers license, copy of utility bill, and copy of W2 with soc sec # and address for IMMEDIATE identification.

15 U.S. Code 1681e - Compliance procedures section ( 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 that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation