Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a follow-up to my original complaint filed on XX/XX/XXXX ( Complaint ID : XXXX ) regarding the inaccurate reporting of a XXXX  XXXX XXXX account by Experian and XXXX. Despite my dispute and the ongoing investigation, significant discrepancies remain in how this account is reported across both CRAs. These inconsistencies, combined with Experian 's misleading statement that the dispute is " completed, '' violate the Fair Credit Reporting Act ( FCRA ) and cause harm to my creditworthiness.

Key Reporting Issues 1. Misrepresentation of Dispute Status Experian : The account is marked as " Completed investigation of FCRA disputeconsumer disagrees, '' yet my CFPB complaint remains active and unresolved. 
XXXX : While the dispute is marked as " in progress, '' the payment history does not reflect the dispute status. 
FCRA Violation : Section 611 ( c ) requires CRAs to mark accounts as " disputed '' until the investigation is fully resolved. Failure to do so misleads creditors. 
Relevant Case Law : XXXX XXXX XXXX Banking XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must include a dispute notation on a credit report during an active dispute. 
XXXX v. Experian XXXX. Solutions, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs are liable for misleading creditors by failing to reflect the dispute properly. 
XXXX. Inconsistent and Incomplete Payment History The payment histories reported by Experian and XXXX are conflicting and incomplete : XXXX Reporting : XXXX : No data reported XXXX, " 60 days late '' in XXXX. 
XXXX : " 90 days late '' in XXXX, " CO '' ( charge-off ) for XXXX and XXXX, with " XXXX XXXX '' for other months. 
XXXX : No data for most months. 
Experian XXXX : XXXX : " On time '' payments XXXX, " XX/XX/XXXX days late '' for XXXX, " CO '' ( charge-off ) in XXXX. 
XXXX : " CO '' ( charge-off ) for XXXX and XXXX, " No Data '' for other months. 
XXXX : " CO '' ( charge-off ) for XXXX, " No Data '' for most months. 
FCRA Violation : Section 605 ( a ) mandates that all reported information must be accurate and non-misleading. The discrepancies between Experian and XXXX fail this standard. 
Relevant Case Law : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must conduct independent investigations to ensure data accuracy and can not rely solely on the furnisher. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs are liable for failing to use reasonable procedures to ensure reporting accuracy.

3. Failure to Verify Reporting Accuracy XXXX XXXX XXXX has not provided documentation to substantiate the reported late payments, charge-offs, and delinquencies. 
FCRA Violation : Sections 611 ( a ) and 623 ( b ) require furnishers to provide verifiable evidence during disputes. If they fail to do so, CRAs must delete or correct the account. 
Relevant Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Furnishers are required to provide supporting evidence when verifying disputed accounts. 
XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs can be held liable for reporting inaccuracies if they retain unverifiable information. 
XXXX. Improper Handling of Identity Theft Claim This account was part of a prior identity theft dispute. Despite appropriate documentation being submitted, Experian and XXXX continue to report the account without verification or resolution. 
FCRA Violation : Section XXXX requires CRAs to block fraudulent accounts upon receipt of valid identity theft documentation unless they can verify the account. 
Relevant Case Law : XXXX v. XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs can not blindly rely on furnishers and must investigate the legitimacy of disputed accounts. 
XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs are obligated to resolve identity theft claims thoroughly and accurately. 

Failure to Provide Full Address for Furnisher Experian fails to provide the complete address for XXXX XXXX XXXX, making it difficult for me to contact the furnisher directly or validate the account. 
FCRA Violation : Section 609 ( a ) ( 1 ) requires CRAs to include all identifying information about the furnisher of information, including a complete address. This omission violates my rights as a consumer to review and verify reported information.

Harm Caused The continued reporting inaccuracies have caused : Creditworthiness Damage : The conflicting and incomplete payment histories mislead potential creditors, affecting my ability to obtain favorable credit terms. 
Emotional Distress : Experian and XXXX failures to address these issues have caused undue stress and frustration.

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