Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ; XXXX  accounts listed below has violated my rights. 

15 U.S. Code 1681i section 602 A. States I have the right to privacy.

15 U.S. Code 1681i section 604 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. Which I have not done so.

15 U.S. Code 1681i section ( A ) states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. I did not received that notification. 

15 U.S. Code 1681i section 5 ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681i section ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

-- -- -- -- -- -- -- -- -- -- -- -- -Accounts Violation Codes of Privacy -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX - Balance owed {$0.00} - XXXX XXXX XXXX XX/XX/XXXX - Amount owed {$24000.00} - US DEPT OF EDUCATION XX/XX/XXXX, XXXX Amount owed {$22000.00} - US DEPT OF EDUCATION XX/XX/XXXX, XXXX Amount owed $ XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - XXXX owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF ED/XXXX XX/XX/XXXX - Amount owed {$0.00} XXXX DEPT OF ED/XXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXXXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX XXXX Amount owed {$0.00} - DEPT OF ED/XXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXXXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXXXXXX XX/XX/XXXX - Amount owed {$0.00} - DEPT OF EDXXXX XX/XX/XXXX - Amount owed $ XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount owed $ XXXX XXXX XXXX XXXX XX/XX/XXXX - Amount owed {$2700.00} - XXXX XXXX XXXX Date N/A- Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount Owed $ XXXX XXXX & XXXX XX/XX/XXXX - Amount Owed {$2900.00} - XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount Owed $ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Amount Owed $ XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Amount XXXX XXXX XXXX XXXX

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