Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
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 have contacted by ( certified mail via USPS ) Experian and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. Experian is reporting addresses that are not accurate or relevant. I did not give Experian permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. Experian is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. 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. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 

In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 

I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified 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