Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and noticed several inaccuracies and incomplete information. On XX/XX/year>, I sent a formal letter to Experian requesting an investigation into the accuracy and completeness of my report. However, despite receiving the results of their investigation, I found that no corrections were made. 

This is a violation of Federal law. According to 15 USC 1681e ( b ) : 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. 

Additionally, I requested Experian provide me with a description of their investigation procedure, as outlined in 15 USC 1681i ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Despite my request, Experian failed to comply with this requirement as well. 

Further, Experian is in violation of 15 USC 1681i ( 5 ), which states : 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. 

Additionally, under 15 USC 1681s-2, the law states : ( 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The failure to correct these inaccuracies and comply with Federal laws is unacceptable. If this is happening to me, I can only imagine how many other consumers are being subjected to the same unfair treatment. 

I expect this matter to be addressed promptly and the inaccuracies on my credit report corrected. Please provide a response detailing the actions taken to resolve these violations and ensure compliance with Federal law.

If they are doing this to me imagine what theyre doing to so many others can you please help me to fix this?

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