Consumer complaint received 2023-08-18
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: Problem with personal statement of dispute

Complaint:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX Have violated my rights. 

on XX/XX/2023 I have submitted A identity theft FTC report through CFPB & United States postal service to EXPERIAN, XXXX & XXXX for the XXXX XXXX XXXX XXXX ACOUNT ENDING IN XXXX XXXX  I asked EXPERIAN, XXXX XXXX XXXX to do their investigation and remove the fraudulent account from my consumer reports. ON XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was removed from my XXXX consumer report & I also got the update with the removal on XX/XX/2023. 

On XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Verified and accurate '' On XX/XX/XXXX I received a letter from EXPERIAN with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Closed '' but still reporting fraudulent late payments. 

XXXX & EXPERIAN Stated that the account was properly investigated but how is that possible if EXPERIAN REMOVED THE FRAUDULENT ACCOUNT, XXXX STATES ITS VERIFIED AS ACCURATE AND EXPERIAN MARKED THE ACCOUNT AS CLOSED WITH LATE PAYMENTS. This is unfair to me as a consumer because the FAIR CREDIT REPORTING ACT and the banking system is dependent on fair and accurate credit reporting. 15 usc 1681 states The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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. 

XXXX & XXXX ARE falsely claiming that this account is mine and are inaccurately reporting this account, THIS IS GROUNDS FOR REMOVAL. 

They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave this account written permission to furnish this account on my consumer reports.

I have attached my waterfall and my bank statement along with my ID so do not send me a STALLING LETTER!

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