Consumer complaint received 2024-05-10 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:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Experian on day XX/XX/XXXX asking them to reinvestigate these accounts : Account Name Account Number Date Opened High Balance XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XX/XX/XXXX XXXX -- XXXX {$6500.00} Experian {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX {$6800.00} Experian {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian -- XXXX XXXX XXXX {$1100.00} Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian -XXXX XXXX XXXX XXXX {$1500.00} Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$1600.00} Experian {$1600.00} XXXX {$1500.00} XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX {$1600.00} Experian XXXX -- XXXX XXXX XXXX XXXX -- Experian XX/XX/XXXX XXXX XXXX XXXX {$7900.00} Experian {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian -- XXXX XXXX XXXX {$2400.00} Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX XXXX {$1300.00} Experian {$1300.00} XXXX -- XXXX XXXX XXXX XXXX -- Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- Experian {$2100.00} XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX {$1900.00} Experian XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX {$2300.00} Experian XXXX XXXX -- XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX {$4600.00} Experian {$0.00} XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX XXXX {$6300.00} Experian {$6300.00} XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX  Experian {$17.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX -- Experian XXXX XXXX XXXX XXXX XXXX Experian {$40.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian {$160.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX- Experian XXXX XXXX  {$1300.00} and here is my tracking number : detail on day they sent me their investigation and said these accounts are complete and accurate.

I looked at my report and noticed everything is still the same. and according to 15 USC 1681i 5 they are supposed to do this ( 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 ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this 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.

And according to 15 USC 1681s-2 this os supposed to happen ( 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 ( i ) the information is, in fact, inaccurate.

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