Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DC XXXX XXXX XXXX INVESTIGATION REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not 100 percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not 100 percent correct. So, could you please check on these and get back with me? Saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them.

In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report.

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. XXXX is aware and has proof in attachment labeled as exhibit A that corporation name is in violation 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00} Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX Accounts : XXXX  XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX. XXXX XXXX 
XXXX, SC XXXX XXXX Closed Balance : {$8500.00} Reported : XX/XX/XXXX, to current on my credit report with inaccurate information stating late payments under the Fair Credit Reporting Act : 15 U.S.C Sec. 1681 ( A ) Please Investigate if every piece of information is correct. If not, please remove it from my credit report immediately. XXXX XXXX XXXX are reporting that this account is late for over XXXX through XX/XX/XXXX late payments on XXXX Foreclosure. 7 years of Negatively Reporting of late payments in XX/XX/XXXX of Fraudulent Credit History. Unable to purchase an auto loan without paying 27 % percent interest on a loan. This falls under 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission and written instructions.

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