Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN AND AGENTS, ARE YOU DISCRIMINATING AGAINST ME? YOU ARE THE ONLY COMPANY THAT HAS NOT COMPLIED WITH FEDERAL/STATE LAW. A LAWSUIT WILL FOLLOW SHOULD THIS FINAL WARNING NOT BE TAKEN. XXXX AND XXXX HAVE BOTH COMPLIED WITH FEDERAL/STATE LAW AND HAVE REMOVED A SIGNIFICANT PORTION OF THEIR INACCURACIES. YOU ARE THE ONLY COMPANY THAT IS REFUSING TO UPDATE THE CONSUMER REPORT AS PER REQUESTED. " As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. " Federal Trade Commission After an extensive review of the credit report, I have found multiple inaccuracies not previously discovered. Through the report provided by XXXX, several errors are within the report and MUST be updated immediately per the instructions of the Federal Trade Commission, Consumer Financial Protection Bureau, and your obligations as a Credit/Consumer Reporting Agency or Company under the Fair Credit Reporting Act. I was a victim of identity theft from the years of XXXX. There was originally a police theft report filed, along with other supporting documentation around the years XXXX. As a result, most of the inaccurate information was deleted, however only from certain Credit Reporting Agency 's. Each reporting agency has a different record of accounts, dates, payments and other pertinent information, which not only violates the Fair Credit Reporting Act but has hindered my ability to obtain a place to live, vehicles for travel, jobs for hire and even insurance policies. It is not up to the consumer to update his own report nor is it legal for Credit/Consumer Reporting Agencies to report inaccurate or incomplete information. There are a total of over 150 violations contained within this Comprehensive Consumer Report. ( See Attached- Reviewed Consumer Report ) Per the Fair Credit Reporting Act and United States Code, each violation has a charge or fee associated and payment must be paid if such inaccuracies are found, deleted or admitted. Inaccurate Information Violations- Information not consistent throughout report/unverified : 38 Payment History Violations : 68 Missing Account/Removed Account Violations : 14 Not My Account/Unverified Account Violations : 10 Improper/Unauthorized Inquiry Violations : 21 Total Violations : 151 I have included the report along with a review of the inaccuracies that are to be corrected. The following are the major concerns and I am requesting payment of {$100.00} per violation along with the deletion andor correction of information contained in the report. Each Agency is hereby requested to notify all past requesters of credit/consumer information in reference to obtaining or deferring credit in anyway. Total : 38 Violations {$3800.00} Name : XXXX XXXX XXXX is the name on the Social Security Card ( See attached ) which is the name on the Birth Certificate which is who all contracts are to be assigned to. XXXX XXXX XXXX is the only name that should be on the credit report and the only name that is signed on any and all obligations, debt instruments, agreements, bonds, contracts, and notes of any kind. Payments : Each payment history must be complete, accurate and consistent throughout each consumer/credit reporting agencies file. The report details over 68 payment violations from missing payments, to inaccurate reporting. ( See Reviewed Report ) Deleted Accounts : There are several accounts that have be DELETED from one report and remain on the other ( s ). This does not represent a complete and accurate consumer report and must be updated immediately. It is not up to the furnishers to maintain a complete and accurate report. This obligation is solely that of the Credit/Consumer Reporting Agency . The following accounts should be removed entirely from the report and should reflect consistently throughout each Agency. EXPERIAN XXXX. XXXX XXXX ( Delete this account ) XXXX. XXXX XXXX XXXX XXXX ( Delete this account ) XXXXXXXX XXXX XXXX XXXX XXXX- XXXX ( Delete ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX- XXXX ( Delete this account ) XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} BALANCE ( Delete this account ) XXXX. XXXX XXXX XXXX XXXXXXXX {$12000.00} BALANCE ( Delete this account ) XXXX. XXXX XXXX XXXX XXXX XXXX {$6700.00} BALANCE ( Delete this account ) I am also requesting that all missing accounts, payments, and dates, be added to the report as soon as possible. ( They can be identified in the Reviewed Report as " Missing? '' ) I take this matter very seriously and come in good faith and peace above all else. It is our duty to act in good faith and honor each other through good commerce. Please get back at your earliest time. Thank you in advance for your help in addressing this time-sensitive matter! Be safe and Stay Cool!

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 non-monetary relief