Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: CA
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:
I recently filed a complaint with you, and although I am grateful for your response, none of my dire issues were addressed, and as a consumer, I did not receive a fair and equitable solution. I took the time to provide detailed feedback on your resolution. However, I wish to once again inform you and Experian of these matters in hopes that they are actually taken seriously this time around. I detailed a list of violations, which were never addressed. Those violations are as follows. Violation 1 : 15 U.S. Code 1681i : I wrote to Experian more than once, via certified mail, and have XXXX proof that Experian actually conducted any investigations into my matter. They never responded to my disputes or provided me with the results of any alleged investigations. Not only did I never receive a copy of my credit report from them, but I also never received any documentation whatsoever, especially none baring my signature supporting their reasoning for continuing to report the disputed information. I need them to show and prove to me that they in accordance with federal law, which obviously they are not. Violation 2 : 15 U.S. Code 1681c2 ( a ) : Experian did not block ANY of the disputed information within XXXX ( XXXX ) days of receipt of being notified that the following items are being disputed as a result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No acct number ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation XXXX : 15 U.S. Code 1681s2 : Furnishers continued to report inaccurate information even when being notified of such. The law states that furnishers may NOT furnish ANY information relating to a consumer, to any consumer reporting agency ( Experian, XXXX, XXXX, and others ), if the person ( XXXX ) knows or has reasonable cause to believe that the information is inaccurate ( Which I know and believe ). The furnished continued reporting, and have been. The furnishers and Experian do not care about my rights! Violation 4 : 15 U.S. Code 1681 : XXXX sates that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I do not feel as if my right to privacy is being respected by any means and I will tell you why below. Nor do I feel like I am being treated fairly! XXXX also stated that inaccurate reporting impairs the efficiency of the banking system and undermines public confidence which is essential to the functioning of the banking system. Please stop undermining my public confidence in the banking system! The next one isn't a violation, but 15 U.S. Code 6801 refers to the protection of nonpublic personal information. It states that it is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. That leads us to the next violation ; violation 5, which is 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. NONE of the financial institutions provided me with a clear and conspicuous disclosure form to provide me with the choice to opt out of reporting. Financial institutions may not, directly or through any affiliate, disclose to a nonaffiliated third party ANY nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. I, the consumer was never given an explanation of how I can exercise that nondisclosure option. I never provided consent or direction to any companies listed to share my information. No consent = identity theft!! Next violation number 6 : 15 U.S. Code 1681 ( 2 ) states that transactional information, or experiences, between the consumer and the furnisher are to EXCLUDED from consumer reporting. So why is ANY of these information reporting in the first place!??? You are to insure the security and confidentiality of my records and information by law, and that is NOT being upheld. Here is proof! How in the world did XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX obtained my nonpublic private information such as my social security number and other details, and furnished to a nonaffiliated third party such as Experian, and others. I never consented, or provided them with that information ; that is identity theft! Lastly, you never addressed the discrepancies regarding the payment history for a couple of accounts that I wished to NOT be removed, but to have corrected. Instead, you deleted XXXX when I specially asked for you not to! Please also correct the payment history for XXXX XXXX XXXX XXXX, I never missed a payment. Also please begin reporting XXXX XXXX XXXXXXXX again. It was deleted by accident I suppose.

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