Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: TX
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 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 told the Experian, XXXX, and XXXX to reinvestigate these accounts : Experian XXXX Account # : - XXXX - DEPT OF EDXXXX XXXX Experian XXXX Account XXXX : - XXXX - DEPT OF EDXXXX XXXX Experian XXXX Account # XXXX XXXX XXXX - DEPT OF EDXXXX XXXX Experian XXXX Account # : - XXXX XXXX XXXX XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : - XXXXXXXX XXXX XXXX XXXX  ( Original CreditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account XXXX : XXXX - XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX Account # : - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : - XXXX - XXXX XXXX XXXX Experian XXXX Account XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Creditor XXXX XXXX XXXX N.A. ) XXXX Experian XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : - - XXXXXXXX XXXX XXXX XXXX Experian XXXX Account XXXX : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX - XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 a 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to

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