Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
concerning account # XXXX with XXXX In response to your recent communication, I acknowledge the assertion that the company reporting the information has certified its accuracy to Experian. However, this certification does not absolve Experian of its obligation to provide me with the supporting documentation that led to this certification. As a consumer, my rights under the Fair Credit Reporting Act ( FCRA ) empower me to challenge the accuracy of reported information and seek verification. 

In addition to FCRA Section 609 ( a ) ( 1 ), which allows consumers to request and obtain all documents related to the reported account, I would like to emphasize the following sections that support my request for documentation and challenge the accuracy of the reported information : FCRA Section 611 ( a ) : I dispute the accuracy of the information on my credit report. This section grants me the right to challenge and seek verification of the information in question. 

FCRA Section 623 ( a ) ( 1 ) ( A ) : This section obligates credit reporting agencies to maintain reasonable procedures for maximum accuracy. My request for supporting documentation aligns with this requirement. 

FCRA Section 623 ( a ) ( 2 ) : I expect Experian to conduct a reasonable reinvestigation into the accuracy of the information, especially considering that no supporting documentation has been provided. 

FCRA Section 611 ( e ) : I am invoking this section to request the deletion of information that is inaccurate or can not be verified. The lack of supporting documentation raises questions about the veracity of the reported information. 

FCRA Section 617 : This section outlines the responsibilities of furnishers of information to consumer reporting agencies. Any violation of this section by Experian may strengthen the case for removal.

FCRA Section 623 ( a ) ( 3 ) : This section obligates credit reporting agencies to provide consumers with a summary of their rights under the FCRA. I request confirmation of receipt of this summary. 

FCRA Section 613 : This section outlines the procedures for consumers to dispute information directly with the furnisher of the information. I have initiated a dispute with XXXX to further address the accuracy of the reported information. 

FCRA Section 611 ( b ) : This section grants consumers the right to dispute the completeness or accuracy of any item of information in their file. I emphasize my right to dispute not only the accuracy but also the completeness of the information. 

I understand the importance of maintaining accurate reporting, and I urge Experian to fulfill its duty under FCRA Section 609 ( a ) ( 1 ) ( B ) to provide the requested information within a reasonable period, not exceeding 30 days from the date of this response. The lack of supporting documentation raises concerns about the accuracy of the reported information, and my request for these documents is fundamental to ensuring fair and accurate reporting. 

If Experian is unable to provide the requested documentation within the specified 30-day timeframe, I anticipate the prompt removal of the disputed information associated with account # XXXX from my credit report, as outlined in FCRA Section 609 ( a ) ( 1 ) ( B ). 

I want to emphasize that I am fully committed to pursuing this matter until a resolution is achieved. I will continue to exercise my rights under the FCRA and other applicable laws every day until the inaccurate information is removed from my credit report.

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