Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
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:
In XXXX and XX/XX/2022, I sent multiple certified letters and wrote to tell you that thered been unauthorized accounts being furnished to my report and demanded them to be deleted. As per USPS tracking, you received my dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. To date, I have not heard about any specific action taken by you regarding the items I had identified in my credit report as inaccurate or unauthorized, nor do I see any changes to my report. 

You were unfair in reporting this erroneous information without first consulting me, the consumer. You have no proof that the transactions listed below even took place. You were also impartial because you allowed information to be furnished while only hearing one side of the story. You also infringed on my right to privacy by having a conversation about me with a third party and reporting this information as a result of that third party. 

I understand the statutory time period of thirty ( 30 ) days for verification of items on a consumer report however, the FCRA also includes what should be excluded from a consumer report. Therefore no investigation is needed, nor should it take 30 days to correct the information provided. Everything had been broken down in my initial letter that Ive included for your convenience. 

Please acknowledge receipt of the attached copies of my correspondence for your review. To date you have not complied with the Fair Credit Reporting Act by not deleting the disputed items from my credit report. Understand that this is a permissible request for you to act as an agent and correct your misleading information. 

I will gladly provide you with three ( 3 ) additional days from the date of receipt for you to comply with my demand since I am ready to litigate this matter. If I dont receive written notifications of the removal of this account I will go ahead and start litigation for you committing identity theft by furnishing information without my written consent, violations, deprivation of my privacy, for causing me defamation of character, and for impermissible purposes. 

Please know that in the litigation process I would be demanding monetary compensation due to the violations committed to me, the consumer, a natural living person. These compensations would not be negotiable since I already gave you the opportunity to fix the issue. After the removal of these account ( s ), I would need you to mail me an updated copy of my new credit report. 

Not once have you sent me any proof or methodical means when Ive challenged an account! 

Attached is my trimerged report for all three credit bureaus. Experian, XXXX, The account XXXX XXXX Account # : XXXX is erroneously inaccurate and its been that way for months. Please help me understand how you continue to deem this account as VERIFIED as accurate when the High Credit, Bureau Code and theres inconsistent payment history across all the bureaus. Why do you have the same information from the same creditor? Please terminate this account since the information is erroneous and incomplete. 

Experian, The account XXXX XXXX XXXX Account # : XXXX is not reporting to XXXX or XXXX and has been terminated and deleted for erroneous inaccuracies. 

In accordance with 15 USC 1681c ( f ), states if a account was disputed with one credit reporting agency and the account was deleted, the CRAs are suppose to inform any other credit reporting agency with the same account info and youre suppose to delete it also.

The three of you must be help in compliance and I will not tolerate it anymore.

Cfpb please keep a eye on this complaint and hold these companies compliant. Ive been led to believe that each one of these companies have placed me on their blacklist and have failed to comply with statutory federal laws that their policies do not supersede.I understand that youre suing each of the companies in class action lawsuits for their deceptive practices.

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 non-monetary relief