Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE XXXX TIME MAKING A COMPLAINT AGAINST EXPERIANAND CHALLENGING EXPERIAN ON THERE REPORTING. EXPERIAN REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT EXPERIAN IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, FAIR TO ME THE CONSUMER REPORT. IM LISTING THE FCRA LAWS EXPERIAN IS BEING ALLOWED TO VIOLATE AGAINST ME THE CONSUMER AND MY REPORT.EXPERIAN IS NON COMPLIANCE OF 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT, and 15 USC 1681B ( 2 ). EXPERIAN NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. DELETE THE OLD ADDRESSES XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, IA XXXX. BASED ON IRS FEDERAL REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS I LIST ARE CHARGED OFF ACCOUNTS AND ( CONSIDERED GROSS INCOME TO ME ) AND SINCE GROSS INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS. EXPERIAN NEEDS TO DELETE THESE ACCOUNTS I WILL LIST. THEY ARE INCORRECTLY, INACCURATELY, BEING REPORTED AND INCORRECTLY BEING FACTORED IN MY REVOLING CREDIT USAGE THEREFORE HURTING MY XXXX XXXX WHICH IS FALSE MISLEADING, AND DAMAGING AND INCORRECT REPORTING ACCORDING TO THE FCRA LAWS. DELETE THESE CHARGED OFF ACCOUNTS BASED ON THE FURNISHERS RECIEVED TAX WRITE OFFS XXXX IRS FORMS ISSUED AS TAXABLE GROSS INCOME TO ME. THE FUNISHERS ACCOUNTING BOOKS ARE CONSIDERED PROFIT LOSS WRITE OFF THEREFORE CLEARED BALANCE XXXX FROM THERE BOOKS AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS ONCE ACCOUNTS WERE CHARGED OFF AFTER 180 DAYS ON THERE ACCOUNTING BOOKS. AND TO KEEP INCORRECTLY MONTH AFTER MONTH REPORTING THESE ACCOUNTS WITH A BALANCE AND SHOWING MISSED PAYMENTS AND UTILIZATION IS INACCURATE REPORTING AND MUST BE DELETED ACCORDING THE FCRA. THE FURNISHERS HAVE RECIEVED XXXX XXXX ALREADY AND NOW THERE ATTEMPTING TO " GET XXXX XXXX '' PAYMENTS FROM ME THE CONSUMER " WHICH IS UNFAIR, UNLAWFUL. IN THE PAST FEW MONTHS I HAVE ASKED FOR RE-INVESTIGATIONS ON THESE OF ACCOUNTS ( 3 ) times prior and have CFPB DISPUTES ON RECORD SHOWING HOW THEY ONLY STAMPED " verified " BUT IF THEY DID THERE JOB PROPER LOOKING AT FCRA LAWS NOT JUST PARROTING WHATEVER THE FURNISHER SAID THEY WOULD SEE THE FCRA VIOLATIONS. HOW CAN EXPERIAN KEEP BEING ALLOWED TO REPORT THIS EVEN AFTER SHOWING THEM THE FCRA VIOLATIONS? THESE FCRA CONSUMER PROTECTION LAWS I LIST ARE ALL GROUNDS FOR IMMEDIATE DELETIONS FROM MY CONSUMER REPORT. BECAUSE EXPERIAN WILL NOT COMPLY TO THESE FCRA CONSUMER REPORTING LAWS. I NEED THE CFPB TO SUPERVISE, POLICE, AND ENFORCE, AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA VIOLATIONS EXPERIAN IS GUILTY OF VIOLATING WITH THERE REPORTING. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ACCOUNTS AND OLD ADDRESSES I LIST AND THEN EXPERIAN WILL BE COMPLYING WITH THE FCRA WITH MY CONSUMER REPORT. DELETE THESE ADDRESSES XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX DELETE THESE CHARGED OF ACCOUNTS BEING REPORTED AND FACTORED IN MY UTILAZATION INCORRECTLY SHOWING BALANCES, PAY HISTORY XXXX ACCT # XXXX, DELETE XXXX ACCT # XXXX, DELETE XXXX XXXX ACCT # XXXX, DELETE XXXX XXXX XXXX ACCT XXXX XXXX XXXX TO LATE PAYEMNTS NOT CORRECTLY BEING REPORTED XXXX XXXX XXXX, DELETE XXXX ACCT # XXXX INCORECTLY SHOWING PAYMENT HISTORY INACCURATE BALANCE, DELETE XXXX ACCT # XXXX, DELETE XXXX ACCT # XXXX SHOWING PAY HISTORY INACCURATE BALANCE. I HAVE SHOWN THE FCRA LAWS THAT STATE WHY THE ACCOUNTS SHOULD BE DELETED IMMEDIATELY EXPERIAN MUST COMPLY TO THE FCRA. ITS FEDERAL CONSUMER LAW.

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