Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NY
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. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-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. 

Please be advised that I have enclosed with this dispute a copy of the original court order for Child support which list the ONLY ACCOUNT that I am currently paying with the names and ages of both my children on this order, signed by Judge, XXXX XXXX. 

As you can see and read on the provided attached copies of the court order Child support, you will notice the ages of both, my daughter born on XXXX XXXX XX/XX/XXXX ; and my son XXXX XXXX XXXX XXXX Born XX/XX/XXXX. 

Yet you do Not see any such account : ( XXXX ) I am requesting that you EITHER PROVE BEYOND A SHADOW OF A DOUBT ; the ACCURACY of this account A response from your company to a previous dispute of this same account you were insufficiently noted as : We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. '' Please note : ( verify /verf/ past tense : verified ; past participle : verified make sure or demonstrate that ( something ) is true, accurate, or justified. 
" his conclusions have been verified by later experiments '' LAW swear to or support ( a statement ) by affidavit. ) I would like to know what EXACTLY WAS VERIFIED? Was the AMOUNT VERIFIED? If so where is said verified proof? I did not receive any such proof in accordance with the Fair Credit Reporting act. It clearly states you can not report any negative items on my credit report that are not 100 % accurate. How is this account proven accurate and or " verified '' IF ITS NOT ON THE CHILD SUPPORT ORDER SIGNED BY THE JUDGE? 

If you fail to provide proof from the original reporting creditor ( XXXX ) that this account is Indeed accurate and " Verified '', you are bound by law to DELETE IT ASAP.

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