Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. which protects my right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 

XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) accounts have been disputed with XXXX, and Experian multiple times, with evidence of sealed, certified letters with USPS receipts. The receipts are available upon request. XXXX XXXX and XXXX have conducted an honest thorough investigation and found the above-listed accounts do not belong on my credit report and as a resolution, removed them. However, Experian states they have conducted a thorough investigation, yet the above accounts remain on my credit which are inconsistent with XXXX and XXXX XXXX. Experian has failed to conduct an honest and thorough investigation with proof of verification in regard to the above-listed accounts. Experian credit bureau provided a standardized, template response as a result of all my disputes over a three-year period, without evidence of the validity of the aforementioned accounts. The aforementioned accounts have not been verified with a legitimate signature or my written instruction to report on my credit. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are inaccurate and do not belong to me, constituting a violation of my rights as a consumer. XXXX and XXXX XXXX have removed these accounts from my credit report, Experian needs to do the same. 

A copy of my current XXXX Credit Report has been attached, which does have the above-listed account. Experian is reporting the XXXX XXXX and XXXX XXXX XXXX XXXX which are not in line with XXXX XXXX 's data collection. 

As a result of XXXX XXXX, violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.

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