Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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:
I don't know why the XXXX Im submitting a complaint for the fifth time. These companies are on some XXXX  XXXX until you file a complaint with the courts.I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they verified the information as mine!!!. They are clearly violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me with the real information. Im not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters about a collection agency reporting adverse information on my consumer report.. Yes it me XXXX XXXX Experian and XXXX AND XXXX. don't try to XXXX  XXXX your way out and send a letter saying we don't know if this is you. yes XXXX last four of my social is XXXX. Delete the XXXX negative item you are reporting. Or should I spell it out ... {$1000.00} dollars for each violation. according to the FCRA. or does you company follow those laws.You couldn't!! 
Read number ( 5 ) As a matter of fact read ALL of the following... 15 USC 1681c : Requirements relating to information contained in consumer reports1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I did not give you written permission to publish this information on my report. No one nor did I give you the legal authority, you just assumed it.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it your way, no you should do it according to the laws that are set in place.

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