Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: MD
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:
I have new and updated information. This complaint is being submitted by myself. 

Experian you assert to have performed a reinvestigation Report # XXXX for XX/XX/XXXX as attached. Your exact wording from the results state, " We will process the disputes generally by sending your dispute to the furnisher of the information or to the vendor who collected the information from a public record. '' How To Read Your Results : Remains - The company that reported the information has certified to Experian that the information is accurate. This item will not changed as a result of our processing of your dispute. '' My outcome from your so called reinvestigation was : Remains I have proof!! You, Experian have failed to provide a reasonable investigation and proper method of verification. You certify per the attached Dispute Results from your reinvestigation that you have obtained public record information through a third party vendor XXXX XXXX XXXX XXXX XXXX and that I may contact them for additional information. I have contacted them and I have evidence and results from their reinvestigation from their Bankruptcy Records as the determined data being reported as UNVERIFIABLE dated XX/XX/XXXX. So how are your reinvestigation results even possible if you did your due diligence from your source, XXXX? It is clear you never investigated information sold or bought from XXXX XXXX in the first place. You assumed this responsibility and yet you undermine the confidence of consumers by not following the law. I have faxed the results to your offices on XX/XX/XXXX fax confirmation attached. 

As I am no longer interested in playing games and entertaining your stall tactics a Final Warning & Opportunity to Cure letter has been sent by mail and Certified mail including the FTC report and XXXX XXXX reinvestigation results as attached in this complaint. This is my final attempt and warning to provide you an opportunity to cure this matter outside of court before I proceed to file a lawsuit against you. I have made multiple attempts to resolve this matter with your agency privately. My private complaints have been mishandled and/or ignored in many instances. My CFPB Complaint # XXXX remains unresolved. You are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. 

FTC REPORT # : XXXX is attached. NOTICE : My report of identity theft is not made in error and not to be misconstrued for opening up fraudulent accounts or my wallet being stolen. Reinvestigation results is attached from your source, the furnisher XXXX XXXX whom you use, has provided documentation of reinvestigation results that this alleged Bankruptcy record as UNVERIFIABLE since XX/XX/XXXX. They have permanently deleted it. XX/XX/XXXX CFPB Case # XXXX XXXX XXXX stated Bankruptcy : Regarding the bankruptcy record included in XXXX XXXX complaint XXXX we have determined the above bankruptcy account was not reporting on her file with XXXX. 

Having the above mentioned information and documentary evidence, XXXX, Experian and XXXX has and continues violating my federally protected consumer rights. These are additional grounds for removal. Experian also violated my rights under : 15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Reminder I DID NOT give you neither direct nor indirect permission to furnish any nonpublic information regarding this alleged bankruptcy to my consumer report. I am hereby demanding this entry be permanently removed from my consumer file IMMEDIATELY from the day you RECEIVE this letter. Should you choose to continue to be negligent in rectifying my affairs, I will follow up with a complaint to my state 's Attorney General, FTC, XXXX  and initiate legal action against you for violations of the FCRA and GLBA.

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