Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( Experian, XXXX and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from XXXX, and confirmation # XXXX from XXXX, Experian never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). XXXX, Experian and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. XXXX, Experian and XXXX failed to Investigate both times according to federal law ( FCRA ). XXXX, Experian and XXXX haven't conducted personal interviews with my 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. XXXX, Experian and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that XXXX, Experian and XXXX furnished to my consumer report fraudulently. I demand all XXXX accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

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 non-monetary relief