Consumer complaint received 2023-04-05
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:
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting late payments/utilization on multiple accounts : 1. LIST COMPANY Unverified/Not Metro 2 compliant XXXX XXXX XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$26000.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX  XXXX XXXX XXXXUnverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$67000.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX XXXX XXXXUnverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$9400.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$12000.00} DELETE INACCURATE ACCOUNT HISTORY FROM THIS ACCOUNT AND UPDATE TO A POSITIVE STATUS AND PAID AS AGREED XXXX XXXX-Unverified /Not Metro 2 compliant Account number XXXX Date opened XX/XX/XXXX Balance {$1000.00} DELETE FRAUDULENT ACCOUNT and/or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone these late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states 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 function of the banking system. Nothing about the reporting of these late payments/UTILIZATION is accurate, and my privacy has been violated due to EXPERIAN violating my consumer rights by allowing these late payments/utilization to report to my consumer report!

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