Consumer complaint received 2024-01-02 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: NV

Complaint narrative:
On XX/XX/XXXXXXXX I mailed you a letter disputing inaccurate and incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX As per [ U.S.P.S.records, you received my dispute letter on XX/XX/XXXX. Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and modify to Paid as Agreed, Never Late the disputed information as I requested before the end of the 30-day period on the date on which you receive the dispute letter Instead of sending me a response letter with the results of your reinvestigation of the disputed information, with proof and exact method requested You mailed me a letter dated XX/XX/XXXX that states DISPUTED INFORMATION HAS BEEN UPDATED account XXXX ACCOUNT # XXXX XXXX XXXXXXXX NO CHANGE. 
XXXX XXXX ACCOUNT # XXXX XXXXXXXX PAYMENT HISTORY WENT FROM 30 DAY 60 DAYS LATE THEN PAYMENT MADE ON XX/XX/XXXX UPDATED VERSION REMOVED PAYMENT MADE XX/XX/XXXX BUT ACCOUNT HAS NO BALANCE OWED SO HOW CAN IT BE PAID AN CLOSED? THIS IS INACCURATE AND DOESNT MAKE SENSE AUSTINCAPBK ACCOUNT # XXXXXXXX LATE PAYMENTS MOVED FROM XXXX AND XX/XX/XXXX TO XXXX AND XXXX WITH XXXX STATUS ON XX/XX/XXXX Clearly, you have willfully failed to modify the disputed information as I have requested. In lieu of modifying the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because my dispute was verified accurate in 1 day. I believe you have an automated system or technology such as AI that sends basic responses without conducting a fair investigation. 

However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of information contained in my consumer file ps per the FCRA. Your failure to reinvestigate is an intentional and negligent FCRA violation. 

In conjunction with this, I would like to bring to your attention potential violations of my rights under the Fair Credit Reporting Act, specifically outlined in 15 USC 1681 Section 602. This section states that I have the right to privacy regarding my credit information, as reinforced by 15 USC 1681 Section 604a Section 2. Moreover, under 15 USCS 1666b, a consumer reporting agency is prohibited from furnishing an account without my written instructions, and a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose without valid justification.

As a result of your conduct as described above, you shall promptly modify the disputed information. Additionally, as FCRA, you are liable to me for damages for your conduct. If this item is not corrected to XXXX Paid as Agreed, Never Late, you will be commanded to send a check of {$1000.00} payable to XXXX XXXX. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law Within |14| days, ( 1 ) modify the disputed information as requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.

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