Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: OH
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:
they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter. 

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs. 

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; 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 associate 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. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too. 

XXXX and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you XXXX CFPB for looking into this. 


please follow up with this usa cfpb

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