Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: GA
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, swear this information in my sworn statement is truthful to the best of my knowledge and understanding. My affidavit is being sent to you in response to you reporting the accounts above on my credit profile with your consumer reporting agency. 

This is not a duplicate to None of previous claims from XX/XX/2021 through XXXX submitted as XXXX, XXXX, XXXX, and XXXX because Experian has failed with each complaints to ever SUCCIFICENTLY or SPECIFICALLY addressed the USC violations associated with Both the claims disputed as inaccurate reporting and should be immediately deleted from XXXX XXXX XXXX Account and the 30 Day late payment from XXXX XXXX Services Account. 

Pursuant to 15 USC 1681b The Law clearly states by definition that investigation on a consumer reports according to 15 USC 1681a ( 3 ) ( c ) ( e ) is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on.

THE LAW IS CLEAR BELOW, ( 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. 

Experian response as duplicated or being investigated is not addressing why they continue to respond they are contacting the reporting agency to investigate when the law states clearly under 15 USC 1681a ( 3 ) ( c ) ( e ) " 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. '' Experian HAS NOT ADDRESSED that Under 15 USC 1681b you do not have permissible purpose from me ( the consumer ) under my FCRA rights to furnish either the 30 day late reporting for XXXX XXXX XXXX or the XXXX XXXX XXXX on my consumer report. The Law is clear : Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I want my specific FCRA Rights upheld. 

Experian offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

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