Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

8. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

9. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

11. THE ACCOUNT WAS PAID IN FULL US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 

12. THE ACCOUNT WAS PAID IN FULL US DEPARTMENT OF EDU Account Number : XXXX Please remove it from my credit report. 

13. THE ACCOUNT WAS PAID IN FULL XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. THE ACCOUNT WAS PAID IN FULL XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

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