Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Initial request sent XX/XX/XXXX. investigation took over 30 days to complete. My credit file was not updated as requested. Investigation came back as verified. I sent a demand letter with a 5 day turn around time to produce the method of verification. If it is not produced in 5 days update my credit report to show PAID AS AGREED NEVER LATE and REMOVE/DELETE BANKRUPTCY. Law violations attached to each letter as stated below. I am writing to request the com
plete method of verification that your bureau used to confirm the accuracy of the following items on my credit report : 1. 30-day late payments on XXXX XXXX XXXX  Account Number : XXXX XXXX. 30-day late payments on XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX. Bankruptcy record with Reference Number : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Required Information Please provide the following details : XXXX. Documentation of Verification : - Copies of all documents, communications, and records that were used to verify these items.

2. Details of the Verification Process : - The names of the individuals you spoke with during the verification process.

- The date and time of each communication.

- The specific responses provided by these individuals, including what they said and the proof they offered.

- Any documents or evidence that were presented to support the accuracy of the information being reported.

3. Validation of Accuracy : - How did you validate the accuracy of this information given that I have a letter from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX confirming that they do not verify or report bankruptcies to credit bureaus? 

Deadline for Response In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide this information within 5 days of receiving this letter. If you fail to provide this documentation within the specified time frame or lack proof of these payments being late and bankruptcy. I demand that the following updates be made to my credit report immediately. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts to BE UPDATED TO PAID AS AGREED NEVER LATE and BANKRUPTCY REMOVED FROM MY CREDIT PROFILE. 

Consequences of Non-Compliance Please note that failure to comply with this request will leave me no choice but to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies for damages caused by inaccurate reporting. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation and confirmation of the REMOVAL of the bankruptcy and updated status of XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX to PAID AS AGREED NEVER LATE items if the information can not be verified within the 5-day window.

INITAIL REQUEST AND LAW VIOLATIONS dated XX/XX/XXXX - XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S. Code C 1666b, 15 U.S.Code 1681 section 603 ( 3 ) ( E ), 15 U.S. Code 1637a ( a ), and 15 U.S. Code 1681a 2 ( A ) ( i ). I request immediate removal of these inaccuracies. The reported late payments are erroneous and have negatively impacted on my credit score. I also reference 15 U.S. Code 1681a and 15 U.S. Code 1681-2, which outline the obligations of furnishers of information to ensure the accuracy and integrity of the information provided to credit reporting agencies. I am demanding these accounts to be updated to reflect PAID AS AGREED NEVER LATE.

Bankruptcy Dispute Furthermore, I dispute the inclusion of a bankruptcy record ( Reference Number : XXXX ) from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ). I have attached a letter from the court dated XX/XX/XXXX, which states that the court does not report any bankruptcies to credit bureaus.

According to 15 U.S. Code 1681, specifically Section 603 ( 3 ) ( E ) and Section 602 ( a ), I have the right to privacy and accurate reporting. The inclusion of this bankruptcy was not verified through a fair investigation process, as required by the Fair Credit Reporting Act ( FCRA ). The court has explicitly stated that it does not verify bankruptcy information with the credit bureaus, raising serious concerns about the validity of the investigation process conducted by the credit bureaus. I am demanding this be removed from my credit profile.

Legal Violations The following legal points support my dispute : - 15 U.S. Code 1681s-2 ( A ) ( 1 ) : 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.

- 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S.Code 1681 section 603 ( 3 ) ( E ) : States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported from a creditor with whom he/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

- 15 U.S.Code 1681 section 602 ( A ) : States I have a right to privacy.

- FCRA Section 605B : Relates to the accuracy and completeness of information.

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