Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: MO
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:
The Bureaus, Experian and XXXX herein after referred to as ( the bureaus ) has not deleted or disputed incorrect information, non-mailable addresses or disputed information from my credit file. I was told from the Bureau agents that if a non-mailable address is linked to an account even if the account is old and not reporting, that they are not allowed to remove non-mailable addresses. As a result of this derogatory information, public records and collection accounts being reported to my credit file without my permission under 15 USC 1681, my Bureau credit scores have dropped XXXX points. I am baffled and confused why my credit score decreased and decline substantially by XXXX points when I discovered that the bureaus had allowed XXXX XXXX to report to my credit report when I sent XXXX XXXX a debt validation letter in accordance with 15 USC 1692g that shows that I opted in to report negative derogatory information to the Bureaus. 

Also, a public record and bankruptcy is reporting to my credit report and disputed by me to the bureaus asking for validation of the governmental agency that is validating this information under oath in accordance with 15 USC 1681f validating they provided that public information with my permission under 15 USC 1681 to report derogatory information incorrectly to the Bureaus. 

The Bureaus have solicited a paid subscription to access a credit monitoring service that I was not aware that I was subscribed to. The Bureaus who are all publicly traded corporations selling my personal private data through applications and soft pulls to corporations through their affiliate sites for profit in violation of the Securities and Exchange Commission Act of 1933 which constitutes securities fraud. I have not given any of the bureaus the right to share or sell my personal information in violation of the Privacy Act of 1974 without my expressed written permission in wet ink. When I have tried to cancel these inconspicuous products that are sold to us as access to my credit report without the proper disclosures so that I can understand in a language that I speak that does not constitute language fraud under 18 USC 1341 in an effort to prevent me from the peaceful enjoyment of my credit.

This is a repeated pattern of abusive behavior by the Bureaus customer service representatives, and the Bureaus is continuing to deny me my consumers rights to dispute inaccurate credit information, ask questions about our credit file and scores, utilize my permissible purpose for what information is reporting on my credit report and not get what we pay for when we purchase their extra credit products such as the Credit Monitoring Service product I purchased. As of this complaint, I never received a response or answer from the Bureaus as to why my credit score continues to decline and decrease by more than XXXX points because the Bureaus refuse to properly validate the disputes as I have continually requested. Overall, Credit Monitoring product and their customer service representatives are denying me, and other consumers, our rights to dispute items on our credit files, discuss our credit file and scores, and therefore The Bureaus is financially harming me by charging me for a product whose services I did not get and my credit score that has dropped, without explanation, and had lenders deny me credit as a result of The Bureaus 's abusive, deceptive and unfair business practices of selling and securitizing our data through their parent companies who have access to our information like XXXX XXXX XXXX if a violation of my privacy and my civil rights. 
Finally, when calling in to speak with a live customer service representative at The Bureaus, The Bureaus requires us to listen to several sales pitches of their products, such as their credit monitoring products and other services that delay allowing consumers to speak to a live person. These sales pitches and sales tactics are abusive and unfair, because they are irrelevant and offered several times throughout the interactive voice response system of the call, thus making it difficult, frustrating and cumbersome to speak to a live customer service agent without being offered extra products -- that cost money -- when this was not the intent of the call. These automated sales pitches and tactics often add more than three to five minutes and take you around circles to the point you can never get to a live agent and when you do get a live agent, they can not understand your intent because of language barriers to what would otherwise be a simple call to conduct a transaction that affects my credit and financial health. 
I have a legal right to have all of my reports reporting the same information and this is not the case per 15 USC 1681 inaccurate reporting. 

I have only one legal name : XXXX XXXX this is my only spelling of my name One mailable address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am asking all of the bureaus to update my information to this one name and my only mailable address. 
I am disputing on all the bureaus the public record of the Bankruptcy which is reporting incorrect information per 15 USC 1681. There is a very glaring inaccurate data reporting. 

I will not be providing my personal reporting private data according to my Privacy Rights of 1974. It is unlawful for the bureaus to ask for my personal identifying information because they are attempting to get private personal data for the purposes of securitizing the data and selling data to third parties unlawfully and without my permission. 

XXXX ITEM REPORTING INCORRECTLY DISPUTE AND REMOVE Public Records XXXX XXXX XXXX XXXX - reporting incorrect data and the courts do not validate this information There is incorrect data Account Review Inquires XXXX XXXXXXXX XXXX remove XXXX REMOVE

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