Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: LA
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:
I would like to solicit your help as a governing body over the Credit Reporting Agencies regarding a few matters that I have been attempting to solve with Experian, which has gone without resolution for way too long now. I have written to Experian on multiple occasions via certified mail, which have went unanswered, informing them of the information that I do not recognize, as well as information that I noticed to be inaccurate, incomplete, and inconsistent, according to my tri-bureau credit report. All of the items below are reporting differently by each of the Credit Reporting Agencies, XXXX, XXXX, and Experian, -which is of high concern for me. Per your involvement, I ask that you please ensure that Experian, as well as the Companies furnishing the disputed information, uphold the law, and delete the following items from my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ How are you reporting 120 days late 33 months in a row!?? ] ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Experian, and the XXXX XXXX above have violated one or more of the following U.S. Codes : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802, etc. I value your time and will try to keep the explanations short. Per 15 U.S. Code 1681i, Experian did not follow the rules and procedures upon disputed accuracy by a consumer ; on multiple occasions ; that alone is grounds for deletion! Yet, they are still reporting this information! ; 15 U.S. Code 1681c2 ( a ) ( I informed Experian that there is information reporting that I do not recognize, which I believe identity theft, but was not blocked within four days of receipt of dispute ) ; 15 U.S. Code 1681s2 ( Experian & the Furnishers within this dispute are to NOT furnish disputed information that is believed to be inaccurate by the consumer. I first notified Experian of this four months ago, and these companies continued reporting the entire time ; 15 U.S. Code 1681a ( 2 ) ( i ) states that any " transactions or experiences '' between the consumer and furnisher are to be " excluded '' from credit reporting. This means that you are not to report any information relating to an alleged transaction, such as payment history, balances, past dues, etc, nor an alleged experience I may have had with your company such as open dates, close dates, statuses, date last active, etc, without my explicit consent. It actually also states reporting this information is " prohibited ''. Nothing is to to be reported, therefore, I ask that you cease furnishing this information immediately ; Per 15 U.S. Code 6801, my personal nonpublic information was not protected ; my right to confidentiality was violated. Congress states that each nancial institution has an afrmative and continuing obligation to respect the privacy of its customers and to protect the security and condentiality of those customers nonpublic personal information, as well as to insure the security and condentiality of customer records and information ; Pertaining to 15 U.S. Code 6802, my personal nonpublic information was shared without my explicit consent : ie : my social security number. Congress states that a nancial institution may not, directly or through any afliate, disclose to a nonafliated third party ( XXXX, XXXX, Experian, etc ) ANY nonpublic personal information ( meaning my social because it is not public ), unless such nancial institution provides or has provided to the consumer a clear and conspicuous disclosure notice. Meanwhile, I have never received a clear and conspicuous disclosure notice from any of these companies providing me with the " choice '' to provide personal information, or opt out of credit reporting. If you have this physical document on file, baring my unique signature, please mail me a copy of it. 15 U.S. Code 1681 states that Congress has determined that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efciency of the banking system, and unfair credit reporting methods undermine the public condence which is essential to the continued functioning of the banking system. Congress also states that 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. Please stop impeding the banking system. I have a right to fairness, accuracy, privacy, and confidentially, which all four are being violated by one or more parties included in this complaint. Due to the trust issues that I have come to gain witnessing companies unknown to me furnish so much incomplete, inconsistent, and inaccurate data on my credit report, on top of Experian going months ignoring my dispute requests, I am demanding that ANY company/furnisher whom continues reporting ANY information to Experian, to please supply me with compelling documentation. If the information is not deleted, I will need for each respective company of the data to provide me with any physical documents that they may have on file baring my unique signature, such as any original contracts reflecting that I engaged in commerce with you, any disclosure forms baring my unique signature ( Disclosures must be clear and conspicuous per federal law ; also keep in mind that no consent is identity theft by law ) ; Also, please also provide me with the full accounting ledger of that account, so that I may review exactly how these balances were totaled from start to finish. I will examine all of these documents and cross reference that information to see if there are any correlation or matches my bank account or records. I do not consent to, and will not acknowledge any " statements '' mailed to me reflecting a balance owed, as it is not sufficient. Lastly, if any of the information that I am disputing is " updated '', after this complaint, meaning changed, or altered, in any fashion, then that just further proves my point that the information was never correct to begin with, and needs to be deleted!

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