Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
In XXXX of XXXX I sent in my dispute to Experian, XXXX, and XXXX regarding the violation of my rights. Specifically, 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. I received a response from the consumer reporting agencies that the information that they had reported was verified. The consumer reporting agency made not effort to describe how this information was investigated and has since continued to promote false and inaccurate information on my consumer report. For example, in XX/XX/XXXX XXXX XXXX provided me with false and inaccurate information after being notified that the information they were reporting was incorrect and in dispute. XXXX XXXX  account number XXXX has continued to violate 15 U.S.C. 1681B which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. XXXX XXXX has never obtained my consent to provide and report my information and these actions have had an adverse and negative affect on me. XXXX XXXX also did not follow proper protocol with regards to the repossession and the sale of the vehicle. XXXX XXXX sold the vehicle and never provided me with the required information regarding the sale nor the required 1099c. They did not report accurate balances, payment dates, sale dates, and they have continued to violate my rights regarding the reporting of this account and I demand that this account be immediately DELETED from my consumer report. Another account that has consistently been in violation is XXXX XXXX  account numbers : XXXX and numbers XXXX. I disputed these accounts in XX/XX/XXXX and XXXX XXXX has since made no efforts to correct their violations. As mentioned before, 15 U.S.C. 1681B states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. This agency has reported information in violation of these laws. They have reported inaccurate balances, inaccurate dates, inaccurate payment histories and this has consistently harmed my credit worthiness. I am NOW seeking the immediate DELETION of both of these accounts from XXXX Card immediately from my consumer report. Another account that I reported in XX/XX/XXXX that has not been resolved and is consistently violating my rights is XXXX XXXX account XXXX. This company has also violated 15 U.S.C. 1681B and also 15 U.S. Code 1692c. The fair credit reporting act grants me the right to privacy and also requires my written consent for reporting information. This account has consistently violated these rights since XX/XX/XXXX. XXXX XXXX has no reported balance on my credit profile. I have NO Business with this company. This company has fraudulently misused my information and has been negatively impacting my creditworthiness. LoanMe is not tied to any open account and I have notified them that their information is in dispute and inaccurate. Their continued promotion of this negative information while knowing it is inaccurate is a violation of the fair credit reporting act and is XXXX. I am NOW demanding the immediate removal and DELETION of XXXX from my consumer report. XXXX XXXX XXXX XXXXI with account number XXXX is another account that has consistently been in violation. XXXXXXXX XXXX XXXX XXXX has not reported accurate balances, payment dates, and they have never provided me with the necessary documentation regarding the repossession and sale of an automobile. The tax code states that the sale of a vehicle is reported as income and thus requires a 1099c. XXXX  XXXX  has never provided me with a 1099c. They sold the vehicle, profited the money, and incorrectly reported it to the reporting agencies, all while failing to provide me with proper documentation. Recently they hired a collection agency that has continued their inaccurate reporting and I am demanding that it STOP. This account and the reporting of it is in violation of the laws of the FCRA listed above relating to consent and privacy. The reporting agencies have failed to show how this account was verified. How did they conduct their investigation? How did they verify the balances? I provided documents in XX/XX/XXXX showing the inaccuracies on the reports but those documents were ignored. FCRA prohibits the reporting of information when they have been given reason to believe that it is inaccurate 15 U.S.C. 1681S. I provided reasonable cause to the reporting agency and they have consistently violated my rights. Now I am DEMANDING that XXXX XXXX  XXXX XXXX be IMMEDIATELY DELETED from my consumer report so that no further harm to my creditworthiness is done. The final account that I disputed in XX/XX/XXXX that was not resolved was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. This account has also violated 15 U.S.C. 1681A, 15 U.S.C. 1681B, 15 U.S.C. 1681S, and 15 U.S. Code 1692c. XXXX has not reported accurate balances, payment history, dates of sale. And Neither have they provided me with accurate documents regarding when they repossessed the vehicle and when they sold it. XXXX also failed to follow the tax code and provide me with a 1099c after the sale of the vehicle. I contacted XXXX and put them on notice that their information is inaccurate and in violation of the fair credit reporting act and they have since done nothing. I am NOW DEMANDING that this account be IMMEDIATELY DELETED. The Fair Credit Reporting Act is designed to ensure accuracy and fairness in credit reporting. Because Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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 15 U.S.C. 1681 602. Unfortunately this reporting agency has failed to honor the law and has not provided fairness and impartiality. They have consistently failed to respected my rights to privacy under the law. Therefore, I am NOW DEMANDING the IMMEDIATE DELETION of all accounts listed above.

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