Consumer complaint received 2023-01-28
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:
On XX/XX/XXXX, with tracking # XXXX and XX/XX/XXXX, with tracking # XXXX, I sent disputes to Experian to delete all the accounts that were inaccurate on my credit report that was not in accordance with the Fair Credit Reporting Act. I did not receive a reasonable investigation into these accounts twice when I received generic responses from Experian saying that my disputes were not sent by me which I clearly sent them by certified mail with tracking numbers from myself. This is unlawful and unacceptable. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate and date opened is inaccurate. Please remove now. 
XXXX account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX XXXX account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX XXXX account # XXXX, has violated my rights because the account payment history shows that the account has gone into collection every month to present. Th account only can go into collection once, thus making this account inaccurate. Please delete now. 
XXXX account # XXXX, has violated my rights because the high balance is inaccurate, the date of last active is inaccurate, and the date opened is inaccurate. 
XXXX account # XXXX, has violated my rights because the date of last active is inaccurate and was reset because the account went in collections in XX/XX/XXXX and went collections again in XX/XX/XXXX. This is illegal and makes this account in accurate. Please remove now. 
XXXX XXXX XXXX account # XXXX, has violated my rights because the date of last active is inaccurate, and the date opened is inaccurate. Please remove now. 
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. I have disputed these accounts on my credit report before and these accounts are still there. This is a violation under the Fair Credit Reporting Act.

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