Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation because as you can see in the attached screenshots this information is being reported inaccurately across ALL THREE BUREAUS! FCRA Act Section 611, gives me the right to request an explanation of the verification method. I request a copy of any documents used to verify my information under the FACTA act, SEC 312 ( b ) and ( c ). These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. I am aware of the investigation that the CFPB and Rep. XXXX XXXX of the House Select Subcommittee is conducting into XXXX, XXXX, Experian for violating credit reporting rules. The prevalence of credit reporting errors has been particularly concerning at a time when Americans have needed access to credit in order to weather difficult economic circumstances brought on by the pandemic, XXXX  wrote in the letter to XXXX. Errors in credit reports can reduce consumers credit scores, potentially blocking access to loans, housing, and employment, among other serious consequences. According to evidence obtained by the subcommittee, the credit raters discard millions of disputes a year without investigation. At least 13.8 million were thrown out between XXXX  and XXXX, the subcommittee found. Discarding disputes violates the fair credit laws if any are submitted directly by consumers to authorized representatives. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. The following inaccuracies MUST BE DELETED NOW. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

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