Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
To the CFPB, I am writing to report that XXXX XXXX XXXX ( XXXX ) continues to supply inaccurate information on my credit report to Experian and XXXX. Despite my initial dispute to the Credit Bureaus, XXXX has reported several statuses of " 120 days past due '' on a " collection 's account '' to XXXX and Experian alerts on at least three separate occasions. 

XXXX, I submitted a complaint to the CFPB in regard to XXXX and XXXX regarding this inaccurate account. This ongoing misreporting appears to be a form of retaliation or punishment by XXXX following my previous disputes. 

On XX/XX/XXXX XXXX XXXX XXXX response to this complaint sent on XX/XX/XXXX that XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. In response to this dispute, we initiated another investigation of the account, suspended all communications regarding the XXXX account during the investigation unless otherwise permitted or required by applicable law, and notified consumer reporting agencies that the account has been disputed. We will review all relevant information, including the information our customer provides, we will resolve the dispute and if required we will timely respond to our customer with the results of our investigation. 

Instead of resolving the issue, XXXX has provided a response that includes inaccurate and damaging updates on my Experian and XXXX credit report such as a current past due amount of {$1200.00} status, a current " 120 days late '' designation, a current flagged collections account and a current " open " status for a time barred collections account. These actions violate my rights under : The Fair Credit Reporting Act ( FCRA ) XXXX has provided inaccurate information, which violates 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to correct inaccurate or incomplete information after receiving a dispute.

California Consumer Protection Laws Under California Civil Code 1785.25 ( a ), furnishers of information to credit reporting agencies are prohibited from reporting information they know or should know is inaccurate.

California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) XXXX ongoing actions may violate California Civil Code 1788.17, which incorporates by reference the federal Fair Debt Collection Practices Act ( FDCPA ), including provisions against deceptive, unfair, or abusive practices in connection with the collection or reporting of debts. 
As recently as XX/XX/XXXX, Experian and XXXX updated this inaccurate and disputed XXXX account on my credit reports. I don't know what type of investigations went into these disputes. These sham investigations did not resolve the inaccuracies on this disputed XXXX account. This information was supplied by XXXX, acting as the " data furnisher. '' Reporting a current " 120 days past due '' status on this account along with the other discrepancies adversely affects my credit profile and creditworthiness.

Furthermore, this account involves a time-barred debt, as I reside in California, where statutes of limitations for debt collections apply. Continued attempts to collect or inaccurately report a time-barred debt may violate : California Code of Civil Procedure 337 Governing the statute of limitations on written contracts and debts.

The FDCPA ( 15 U.S.C. 1692e and 1692f ) Prohibiting false, deceptive, or unfair practices in the collection of debts, including misrepresenting the legal status of a debt.

PRAs continued reporting and misrepresentation of this account are unwarranted and harmful.

Due to the damage on my creditworthiness, I respectfully request that this inaccurate account be removed from my credit reports immediately and that PRAs actions be investigated for potential violations of federal and state laws.

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