Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: UT
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: Investigation took more than 30 days

Complaint:
As XX/XX/XXXX Experian is noncompliance continuously and refuse to investigate fraud and inaccurate information that Experian is reporting. I have submitted four Certified Mail copies that shows Experian not only didn't reply back but also was past the 30 days. Also in the letter their letter they ask for my Government ID and Utility Bill which has been submitted on here numerous of times but yet they ask for information again. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Experian stated that the Bankruptcy they verified is accurate and has been verified by the company. Well how is it that my XXXX and XXXX aren't showing the same thing! why is that? I have uploaded my Credit Report for proof as well. Experian bluntly lies about it's verification and proof to show of it's investigation. I don't see no ACDV or any letter explaining their investigation. Experian decline to investigate and yet claims through CFPB the company is asking for my Proof of identification which was given to Experian on four separate matters disputing Fraud and inaccurate accounts. Their reporting inquires on my account that has been disputed and out of 33 unauthorized inquiries into my credit report after my complaints Experian removed 26 and left 7 now why would Experian leave 7? Then theirs the Bankruptcy, theirs no Personal address tied to this account so why Experian is claiming it's been verified. Let be clear I did not give any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. 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. So basically what I'm asking is how how can all three bureaus have different information and Experian is stating their information has been Verified by the company their getting information from. Wouldn't XXXX, XXXX show the same thing? All information is being documented show that Experian is in violation of my Consumer Rights. The accounts that are in violation are : XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Unauthorized inquiries which is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

Second is the Bankruptcy Record type XXXX XXXX  bankruptcy discharged Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Individual Reference number XXXX Theirs no personal address tied to this account nor did they provide proof this account is mine! The Bankruptcy courts DOES NOT REPORT ANY INFORMATION TO ANY CONSUMER REORTING AGENCIES OR CREDIT BUREAUS. Nor did I give Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. So in other words WHO VERIFIED IT WHERE IS THE ACDV AND COURT DOCUMENTS TO CLAIM THIS ACCURATE! YOU HAVE ASKED TO MANY TIMES AND CLAIM YOU NEVER RECIVED MY DISPUTES BY MAIL WELL I UPLOADED ALL DOUCUMENTS FOR EXPERIAN TO READ AGAIN!

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