Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX XXXXXXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX Account Number : XXXX This account has never been verified, I dont recall having late payment on this specific account the Status Shown as Inaccurate it shouldnt be Derogatory it was reporting inaccurate information please update the billing error update as agreed Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX Account Number : XXXX I dont recall being late on this account. Please verify all information is 100 percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. 

I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXXXXXX XXXX  Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately I did not initiate any of these inquires The items below should all be removed from my consumer report under 15 US Code1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following personal information is incorrect Account Number : XXXX XXXX : XX/XX/XXXX The following personal information is incorrect Account Number : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX, NY XXXX The following personal information is incorrect Account Number : XXXX XXXX : XX/XX/XXXX

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