Consumer complaint received 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, which claims that the information has been verified, which I believe is not possible given the circumstances.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about your company 's compliance with these legal requirements.

Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on one account that I believe to be inaccurate. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there's a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit.

I am writing to file a formal complaint against your company, regarding their continued reporting of inaccurate information on my credit report. Despite successful removal of these items by two other major credit reporting agencies, which claims that the information has been verified, which I believe is not possible given the circumstances.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes information on their report. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. In my case, two other credit reporting agencies have removed the disputed items, indicating that they could not verify or validate the information. This raises significant concerns about your company 's compliance with these legal requirements.

Moreover, the Federal Trade Commission ( FTC ) has established guidelines that highlight the necessity for credit reporting agencies to remove unverifiable information. Furthermore, I am disputing late payment entries on one account that I believe to be inaccurate. As per 15 U.S.C. 1681s-2 ( a ), furnishers of information to credit reporting agencies are obligated to provide accurate information and correct or delete any inaccuracies. Regarding the late payment reporting, it's important to know that under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666c, if there is a billing error dispute in process, a creditor can not report late payments related to the disputed amount until the issue is resolved. Given that the other two credit reporting agencies have corrected this error, its puzzling and concerning that this particular agency hasn't followed suit.

I respectfully request that the CFPB investigate this matter and ensure that Experian complies with the FCRA by removing the unverifiable and inaccurate items from my credit report. This issue is causing undue harm to my creditworthiness, and I seek your assistance in resolving it promptly. I have included the FTC report which has all companies that they still have not removed off of my credit report.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter.

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 non-monetary relief