Consumer complaint received 2024-11-13 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:
Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNT AND THE bureau has verified on my credit report regarding the following account : Account Name : XXXX XXXX XXXX 
Account XXXX While I appreciate your response indicating that the information has been verified, I believe there are still significant inaccuracies that require further investigation. Specifically, Date of Last Report : XXXX shows the date of the last report as XX/XX/XXXX, while XXXX and Experian show XX/XX/XXXX. This appears inconsistent, as the date of the last report should be the same across all three bureaus. 
Account Status : XXXX lists the account status as " Account Closed by Credit Grantor '', whereas XXXX and Experian indicate " Canceled by credit grantor. '' Although similar, the wording could impact how the account status is interpreted and might affect your credit score. 
Date of Last Activity : XXXX shows the date of last activity as XX/XX/XXXX, while XXXX and Experian show XX/XX/XXXX and XX/XX/XXXX, respectively. This is a significant inconsistency, as the last activity date should be the same across all three bureaus. 
Payment History : XXXX displays a different payment status ( " Not more than three payments past due '' ) compared to XXXX ( " 60 days past due '' ) and Experian ( " Paid, was past due 30 days two or three times '' ). This discrepancy in records may impact the interpretation of your payment history. 
Inconsistencies in Payment Dates ( XXXX and Experian ) : Although the last payment date is the same between XXXX and Experian ( XX/XX/XXXX ), XXXX shows a different date ( XX/XX/XXXX ). Even though its a minor difference, the inconsistency in dates can be a reason to raise a complaint. 
These discrepancies may be affecting your credit score, and you could request that the credit bureaus verify and correct the information to ensure consistency and accuracy.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies in my credit report. I request that you conduct a more thorough investigation into this matter, particularly considering the following points : 1. Inconsistencies : There are discrepancies among the three credit bureaus regarding this account, According to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are required to verify accounts through original documentation. I request that you provide the supporting documentation you relied upon to verify this account.

3. Consumer Rights : Under Section 611 of the FCRA, if you can not provide adequate documentation to support the validity of this account, you must remove it from my credit report.

4. Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

I believe 100 % AND THE PROOF IS ATTTACH TO THIS COMPLAINT THAN the bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) in their investigation process. 
Specifically, I wish MORE POINT AND VIOLATION HAVE THE ( EXPERIAN ) TO MY RIGHT AFTER THE INVESTIGATION THE ACCOUNT HAVE DESCREPACIES AND INNACURATE : 1. Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

2. Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

3. Duties of Furnishers of Information ( 15 U.S. Code 1681s-2 ) : The furnishers of the disputed information did not adequately investigate or rectify the inaccuracies after being notified of my dispute, as required by law.

4. Transparency and Accuracy ( TILA, 15 USC 1601 ) : The information provided in my credit report has not been accurate or transparent, violating my consumer rights.

5. Public Law 91-506, Title VI, Section 611, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record.

6.

7. 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

8.

9. 15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

I am requesting that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with the FCRA and TILA. Additionally, This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove inmediately. 
Thank you for your attention to this matter. I look forward to your response.

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