Consumer complaint received 2024-01-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Every time I request the weekly consumer report disclosure from XXXX, there's an " error '' message when my information can not be found, or verified. I can never get the XXXX or XXXX disclosure delivered electronically through XXXX ; and it is intermittent with Experian. Also when I call on the phone, and spend all that time on the automated phone system and order the disclosure by mail, I don't always get the reports when ordering. Often I believe I am being unjustly damaged because of inaccurate or arbitrary information in a credit report ; and the reports are being purposely difficult to acquire because these companies know there is inaccurate information in there that should be deleted. None of these companies guarantee accuracy of their information, so how can that information be verifies on my consumer file disclosure.

CDIA Terms and conditions read : " YOU EXPRESSLY UNDERSTAND AND AGREE THAT : YOUR USE OF THIS SITE IS PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. TO THE FULL EXTENT PERMITTED UNDER APPLICABLE LAW, CDIA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND WITH RESPECT TO THIS SITE AND ANY PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH THIS SITE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CDIA MAKES NO WARRANTY THAT : ... THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE WILL BE ACCURATE OR RELIABLE ; THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THIS SITE WILL MEET YOUR EXPECTATIONS ; ANY ERRORS ON THIS SITE WILL BE CORRECTED ; AND THE DATA AND MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE, OR RELIABLE. '' Metro-2 and XXXX is how the companies are falsely claiming verification, accuracy, and completeness, yet their terms can not guarantee. 

XXXX 's Terms read : " Our site, including all content, products, services and transunion content made available on or accessed through this site, is provided to you as is, with no warranties of any kind. To the fullest extent permissible under applicable law, neither transunion nor its subsidiaries or affiliates make any representations or warranties of any kind whatsoever ( a ) as to the content, products or services available on or accessed through our site, ( b ) that a user will have continuous, uninterrupted or secure access to our site, products or services, or ( c ) that our site, products or services will be error-free. In addition, XXXX and its subsidiaries and affiliates disclaim all express or implied warranties, including warranties of title, merchantability, fitness for a particular purpose, non infringement and informational content. Therefore, you agree that your access to and use of our site, products, services and content are at your own risk. By using our site, you acknowledge and agree that neither transunion, its subsidiaries, nor its affiliates have any liability to you ( whether based in contract, tort, strict liability or otherwise ) for any direct, indirect, incidental, consequential or special damages arising out of or in any way connected with your access to or use of our site, content, products or services ( even if we have been advised of the possibility of such damages ), including liability associated with any viruses which may infect your computer equipment The reporting agency discloses to a consumer only the original jurisdiction as the source of the information and does not also disclose the vendor, or conversely, if the consumer reporting agency discloses to a consumer only the vendor and does not also disclose the original source of the information, the consumer may not be able to correct any erroneous public records information that could be included in their files at all of the consumer reporting agencies that receive data from the vendor. Interpreting FCRA section 609 ( a ) ( 2 ) to allow a consumer reporting agency to disclose to a consumer only a single source of the information, and not all sources of the information, would undermine the FCRAs purposes by limiting consumers ability to understand the sources of the often highly sensitive information in their file and to address and prevent further dissemination of incomplete or inaccurate data. 

XXXX Terms read : " NO WARRANTY. MUCH OF THE DATA CONTAINED IN THE PRODUCTS IS PROVIDED TO US BY OTHERS AND THEREFORE WE DO NOT CONTROL THE ACCURACY OR COMPLETENESS OF THE INFORMATION CONTAINED IN THE PRODUCTS. IF WE SELL YOU A PRODUCT PROVIDED BY A SUPPLIER, THAT SUPPLIER IS SOLELY RESPONSIBLE FOR THE ACCURACY AND COMPLETENESS OF THAT PRODUCT. NEITHER WE, NOR ANY OF OUR DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUPPLIERS, LICENSORS, AFFILIATED COMPANIES, OR AFFILIATED CREDIT BUREAUS ( " AFFILIATED PERSON ( S ) '' ) WARRANT THE CORRECTNESS, COMPLETENESS, CURRENTNESS, OR ANY OTHER ASPECT OF ANY PRODUCT OR INFORMATION CONTAINED IN ANY PRODUCT IN ANY WAY. THE PRODUCTS ARE PROVIDED " AS IS '', AND NO WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THOSE OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, IS MADE.

Experian Terms Read : IN NO EVENT WILL EXPERIAN WARRANT OR GUARANTY THE CORRECTNESS, COMPREHENSIVENESS, COMPLETENESS, ACCURACY, TIMELINESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR USE OR PURPOSE OF ANY INFORMATION, PRODUCTS, OR SERVICES ON THIS WEB SITE.

XXXX  ' Terms read : Warranty The information and products on this website are provided " as is '' without warranty of any kind.

Disclaimer The information and products on this website are not to be considered professional advice. Users who make decisions solely on the information and products from this website do so at their own risk. When appropriate, professional advice should be obtained before making any decisions. 

If there is no warranty that information is accurate, then it shouldn't be reported, the information is hearsay.

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