Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian, XXXX and XXXX are in violation of federal law. The credit reporting agencies have failed to maintain reasonable procedures within their companies designed to ensure accuracy, fairness, and confidentiality of my nonpublic personal information. 

Experian, XXXX and XXXX are adversely reporting the following accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974.The account name XXXX XXXX XXXX Account Number : XXXX alleged debt amount {$1500.00}. Also, account name XXXX XXXX XXXX Account Number : XXXX, alleged debt amount {$140.00} Such debts being reported are alleged debts, I do owe any amount of such alleged debts. Ive made notice of such violations, misleading and inaccurate information to each company. Prior to reporting any information on my credit report, XXXX, XXXX and Experian were to conduct an investigation to ensure consent being given and such information is indeed accurate, and verifiable. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misrepresentation and adverse information being reported on my credit report. 

The Credit Reporting Agencies have not provided any documents, evidence of consent bearing my signature or how such information was concluded to be deemed accurate and verifiable.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and transunion are not maintaining reasonable procedures. Such accounts are an adverse item being reported again without my permission/consent which is against the law. 

Pursuant to 15 U.S. Code 1681a ( e ) states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood.

I am requesting all relevant information used to determine the verification of the items in dispute and all processes and procedures used during your reinvestigation pursuant to 15 U.S. Code 1681i ( a ) ( 2 ) ( B ) and 15 U.S. Code 1681i ( 6 ) ( B ) ( iiii ). According to federal law, you have 15 Days after receiving this request to provide such information.

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract means within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.

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