Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I spoke with the dispute departments for XXXX, Experian, and XXXX on XXXX XXXX and updated my personal information and was assured that this would be taken care of. When I received my consumer report XXXX STILL has inaccurate personal information. I also attempted to correct some inaccuracies on the report as well but was told that that portion was under investigation. After I received the report I noticed NOTHING was corrected. The reports across all 3 agencies are STILL incomplete, incorrect, and inaccurate. I call again on XX/XX/2023 and I am told that there is nothing they can do and that they don't have the ability to change what is being reported. The law clearly states that it MUST be removed. Yet I am being told to talk to the furnishers, which I have. My ability to use my credit has been damaged and I have been denied credit and discriminated against due to the false reporting provided by these agencies. Based off what a Consumer report is by definition, and the fact that a report containing solely transactions and experiences are to be EXCLUDED, my consumer report is in fact being inaccurately reported by all 3 agencies. This fact of law has also been brought to the attention of these agencies placing them in a position of knowing of the inaccuracies and further willfully reporting false information negligently in total disregard for my privacy and FRCA laws. According to the Fair Credit Reporting Act 15 USC 1681 section 602a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER to whom it relates. '' ( Furnishers of information to credit agencies ) the XXXX XXXX and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and I can assure you they do not have my written consent either. Any and all consent to XXXX, XXXX, Experian, ( Furnishers of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnishers of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states, " 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 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. I have repeatedly requested the necessary disclosures, method of verification, validation, and given my written instructions according to the law and all have been ignored. My privacy has violated multiple times. My reputation has been tarnished and my character has been defamed.

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