Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want to be explicitly clear with my Complaint. I will be showing multiple times how Experian is violating the Fair Credit Reporting Act on my consumer report 1. I have requested verification of the debt, not requesting validation of the debt. It has become increasingly clear that Experian is being willfully negligent in rectifying my credit report. Over the past year, I have made subsequent attempts to have this account reasonably investigated in accordance with both the Fair Credit Reporting Act and the Fair Debt Collection Practice Act 15 USC 1692g.

I have demanded Experian to furnish the supporting documents and PROBABLE evidence that I have any obligation to XXXX XXXX XXXX - account number : XXXX. Experian has been unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. 

2. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. The fact is I have never seen the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Experian supposedly has on file for XXXX XXXX XXXX - account number : XXXX. This means Experian has NOT positively verified these accounts which have hurt my ability to obtain credit and get approved for a house and I got passed on job promotion. Under the FCRA, unverified accounts must be removed and Experian has been unable to provide me a copy of the verifiable proof, so you must remove XXXX XXXX XXXX - account number : XXXX. 

3. Clearly Experian keeps disrespecting these laws on my credit report. Here are the multiple times Experian has violated the Fair Credit Reporting Act under 15 USC 1681.

In accordance with the Fair Credit Reporting Act. Experian XXXX XXXX XXXX XXXX - account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

It is a fact, a consumer reporting agency needs written instructions from I, the consumer, to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

By definition, Experian has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) as seen in my numerous letters and information associated with XXXX XXXX XXXX - account number : XXXX must be removed. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

There are so many more violations I can put on this complaint showing how Experian has absolutely no respect for the laws.

CFPB needs to hold them accountable for this and have these violations removed from my consumer report.

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