Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
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:
This complaint is being filed with the consumers own free will. The consumer isn't being coerced by anyone, or any credit repair agency. The consumer is aware that Experian is not adhering to the regulations of the Fair Credit Reporting Act. As of XX/XX/2022 the consumer submitted a complaint with an ID of XXXX in which the consumer asked for proof of the reinvestigation which took place to confirm the accuracy of the reported accounts. The consumer then received a response from Experian on XX/XX/2022 which is 30+ days past XX/XX/2022 when the consumer initially submitted the complaint with an ID of XXXX requesting the reinvestigation. According to 15 U.S.C 1681d ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. In the response received on XX/XX/2022 from Experian, Experian informed the consumer per the request of the consumer to conduct a reinvestigation. The FCRA 609 Discloses to consumers [ 15 U.S.C. 1681g ] paragraph ( a ) states " every consumer reporting agency shall, upon request and not subject to 610 ( a ) ( 1 ) [ 1681h ] clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request except that- ( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed :. In Experian 's response, Experian mentioned they contacted the data furnisher ( s ) for the disputed accounts in the consumers Experian credit report and asked them to verify the accuracy of the information in which the consumer disagreed. The data furnisher ( s ) responded and verified that the disputed information was accurate as reported. According to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, which Experian did not comply. Experian also stated that, " According to the Fair Credit Report Act ( FCRA ), a national consumer reporting agency 's role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source. '' According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( a ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 15 U.S.C. 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer is completely aware that the consumer rights are being violated and require immediate remedy.

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