Consumer complaint received 2024-11-30 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: NJ

Complaint narrative:
hello i have recently reviewed my credit file with experian regarding XXXX XXXX XXXX XXXX XXXX acct # XXXX. 

i have submitted multiple disputes requesting investigstion and an ACCURATE reporting. experian comes back with " updated '' or " verified '' but it remains inaccurate. i asked if they can not provide proof they were verified and ACCURATE that they DELETE this account.it was disputed under XXXX, XXXX, XXXX. 

THE BURDEN OF PROOF IS ON EXPERIAN TO SECURE THE 100 % ACCURATE INFORMATIN AND THEY HAVE NOT DONE THIS. THIS IS CAUSING DAMAGES TO MY CREDIT SCORE AND IMPACTING MY ABILITY TO OBTAIN A MORTGAGE WITH MY FIANCEE.

INACCURACIES : 1- THE BALANCE IS WRONG 2- THE CO STATUS CONTINUES TO REPORT MONTH OVER MONTH EXTENDING THE STATUTE OF LIMITATIONS. THIS IS WRONG.

3- REP0SSESSION IS CITED 3 MONTHS IN A ROW : XXXX XXXX XXXXXXXX XXXX. THIS IS WRONG. 

they have not deleted it but continue to report THIS ERRONEOUS ACCOUNT. this is a violation of the following : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I HAVE PROVIDED WRITTEN INSTRUCTIONS TO DELETE IF INACCURACIES WILL NOT BE AMENDED ) 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( 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. ( THE ACCOUNT REPORTING REMAINS INACCURATE ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 2 ) Prompt notice of dispute to furnisher of information ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). (
EXPERIAN DID NOT PROVIDE ME WITH NAMES/PHONE NUMBERS/EMAIL OF INDIVIDUAL ( S ) WITH WHOM THEY ALLEGEDLY VERIFIED THIS ACCOUNT DURING **ANY** OF THE MULTIPLE INVESTIGATIONS. ) ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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