Consumer complaint received 2024-10-21 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:
According to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 ( ii ) 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 1681s-2 they are suppose to 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.

Back in 2017, my husband, and I requested an investigation of the information and/or accuracy of the XXXX  XXXX bankruptcy reference # XXXX that was appearing on our credit report. Due to unverifiable and/or inaccuracy, this bankruptcy was removed from my husband credit file with XXXX back in 2017, however, it remained on mines. This was a joint bankruptcy that should have been removed from both credit files.

According to the Fair Credit reporting act, my rights have been violated with Experian continuing to report this after several attempts to request an investigation, and Experian reporting back verified. Based on the Fair Credit Reporting laws, my rights have been violated based on sections 611-15.U.S.C & 623 ( b ) ( 1 ) : *Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

* ( b ) Duties of Furnishers of Information upon Notice of Dispute 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; Based on these laws, the information should have been reported by the furnisher and/or credit reporting agency that this information regarding the joint bankruptcy was inaccurately reporting and should've been deleted from both of our credit files back in 2017. I provided my husband recent credit report from XXXX showing there's only one bankruptcy reporting which was a dismissed bankruptcy for XXXX  XXXX, but the XXXX XXXX reference XXXX was removed years ago. I need this removed from my credit filed immediately.

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