Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX Statement of Identity I, XXXX XXXX : Federally protected consumer, original creditor, natural living breathing man do declare the following to be true, correct and valid. 
Statement of Truth : YOU MUST RESPECT MY RIGHT TO PRIVACY The FDCPA is intended to secure my right to privacy and my privacy has been breached so be it. 
Facts # 1 Ive noticed my consumer report is inaccurate, not timely, and also no authenticated documentation of evidence has been presented to me. EXPERIAN credit reporting agency/ financial institution did not do their job. According to the FCRA ( Fair Credit Reporting Act ) the banking system is dependent upon fair and accurate credit reporting. Pursuant to 15 usc 1681 ( a ) ( 4 ) Facts # 2. These accounts are reporting as inaccurate. It is my right to know who did Experian interview? Who gave them the permission to affect my livelihood? Experian used information provided by a furnisher instead of conducting their own proper interviews as congress states. I am requesting Experian to remove all closed accounts on my credit because Experian did not properly validate or verify these accounts for accuracy these accounts must be removed. Please up any open accounts to show thaccount positive balance, paid in full, no late payments, no charge offs, no derogatory remarks, or negative reporting. Pursuant to 15 usc 1681c ( a ) ( 3 ) and 15 usc 1681 c ( a ) ( 5 ). EXPERIAN never had my oral or written permission to report on my consumer report.

Facts # 3 I understand consumer reporting agencies have assumed a vital role in the assembling and evaluating consumer credit but nothing in my report is benefiting me or my credit standing. This inaccurate data that has been furnished by you is harming my reputation, and is defamation of my character and capacity, Pursuant to 15 usc 1681 ( a ) ( 3 ).

It is clear that these elaborate mechanisms have not done their duties, Im aware they have ASSUMED grave responsibilities, however credit reporting agencies are required to adopt reasonable procedures to the maximum to assure the accuracy of the information concerning the individual about whom the report relates. For meeting the needs of commerce for consumer credit, personal, insurance and other information in a manner which is fair and equitable to the consumer, with regard to the consumer, the confidentiality, the accuracy, relevancy and proper utilization. Not only were my rights infringed upon, your organization has violated several Federal Laws. I am looking forward to you correcting your errors and also accepting my request that this matter will not proceed to a federal complaint only if all sustain and actual damages are readdressed.

Please remove these accounts, they were not properly validated, or verified for accuracy and they continue to report on my credit file without my oral, or written permission. 
XXXX XXXX Account # XXXX Date opened this account is reporting inaccurate data, the original balance is not correct, nor is the date the account open correct. Pursuant to 15 usc Section 1681i of the FCRA, as required by the act, I demand that you re-verify this account. 
XXXX XXXX Account # XXXX - Date Opened XX/XX/XXXX A charged off account is Income according to the IRS XXXX the company must submit a 1099-c and provide myself with a copy, to date, I have not received the copy of the 1099-c, therefore you are violating my rights and furnishing this information illegally. By knowingly furnishing incorrect data on my credit file Experian failed to protect by consumer privacy, and rights. Please remove this charged off account, Pursuant to 15 usc 6802 & Gramm Leech Bliley act of 1999. 
XXXX  XXXX Account # XXXX - Date Opened XX/XX/XXXX this is a closed account, report inaccurately, I requested this account to be verified and validated, that did not happen. Remove this account from my credit file. According to 15 U.S. Code 1666b XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX - A charged off account is Income according to the IRS , the company must submit a 1099-c and provide myself with a copy, to date, I have not received the copy of the 1099-c, therefore you are violating my rights and furnishing this information illegally. By knowingly furnishing incorrect data on my credit file Experian failed to protect by consumer privacy, and rights. Please remove this charged off account, Pursuant to 15 usc 6802 & Gramm Leech Bliley act of 1999. 
XXXX XXXX XXXX XXXX Account # XXXX opened XX/XX/XXXX - I did not give XXXX XXXX permission to report late payments on my credit file, please delete the payment information on this account and update to paid on time. 
XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX - This account has been paid and closed please delete this account from my credit file. This account remains on my credit report and affects my reputation and is defaming my character. By knowingly furnishing incorrect data on my credit file Experian failed to protect by consumer privacy, and rights. Please remove this charged off account, Pursuant to 15 usc 6802 & Gramm Leech Bliley act of 1999. 
XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX - A charged off account is Income according to the IRS XXXX the company must submit a 1099-c and provide myself with a copy, to date, I have not received the copy of the 1099-c, therefore you are violating my rights and furnishing this information illegally, Income can not be reported on a credit report. By knowingly furnishing incorrect data on my credit file Experian failed to protect by consumer privacy, and rights. Please remove this charged off account, Pursuant to 15 usc 6802 & Gramm Leech Bliley act of 1999. 
XXXX XXXX XXXXXXXX XXXX  Please removed these multiple closed accounts as they were consolidated into other OPEN Dept of Education accounts already reporting on my consumer file. Please remove this charged off account from my credit file immediately XXXX XXXX  Account # XXXX Opened XX/XX/XXXX - A charged off account is Income according to the IRS, the company must submit a 1099-c and provide myself with a copy, to date, I have not received the copy of the 1099-c, therefore you are violating my rights and furnishing this information illegally. By knowingly furnishing incorrect data on my credit file Experian failed to protect by consumer privacy, and rights. Please remove this charged off account, Pursuant to 15 usc 6802 & Gramm Leech Bliley act of 1999. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account is closed but reporting a credit limit, credit usage and monthly payment. According to 15 U.S. Code 1666b, I dont not give consent for late payments to be furnished on this report. Original balance is incorrect, and past due amount being furnished by Experian are incorrect, please delete this account from my credit. By knowingly furnishing incorrect data on my credit file Experian failed to protect by consumer privacy, and rights. Please remove this charged off account, Pursuant to 15 usc 6802 & Gramm Leech Bliley act of 1999. 

I hereby attest and affirm that all of the above is truth and as to my lawful understanding. 
Signed : 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