Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: AL
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:
on XX/XX/XXXX I filed a complaint that the consumer reporting agencies did not follow the guidelines set in place to protect my rights from my dispute from XX/XX/XXXX, the consumer credit reporting agencies had had 30 days to conduct there investigation on the following accounts : Account name-NAVY XXXX  XXXX XXXX Account number-XXXX Account type-Credit card Responsibility-Individual Date XXXX Status-Account charged off. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 

Account nameXXXX Account XXXX Account type-Auto Loan Responsibility-Individual Date opened-XXXX Status-Account charged off. {$39.00}, XXXX written off. {$39.00}, XXXX past due as of XX/XX/XXXX. 

Account name-XXXX  Account XXXX Account type-Secured Loan Responsibility-Individual Date opened-XXXX Status-Paid, Closed. 


Account name-XXXX Account XXXX Account type- Other Collection Agencies Responsibilty-Individual Date opened- XX/XX/XXXX Status-Collection/Chargeoff inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX They did not complete there investigation in a timely manner, two of the complaints are still open. the CFPB Failed at investigating the consumer credit reporting agencies because it has now been two months, and no closure. Your company is just letting the consumer reporting agencies do what ever they want with no repercussions. Please investigate there practices of just telling consumers that they are not gon na investigate their dispute because it appears as if the consumer did not write it! Since when do the consumer reporting agencies have psychic powers????? if they can just assume what ever they want then there should not be any guidelines at all because its just a free for all without any enforcement. The Fair Credit Reporting Act, The Fair Debt Collection Practices Act Was Written For A Reason And It Is YOUR Responsibility to enforce it, I demand you do so! The CFPB has failed at enforcing the guidelines that are suppose to protect me. The CFPB is now just as guilty as the consumer reporting agencies. I did not give permission for these accounts to be reported, I did not give written instructions for these accounts to be reported, I was not given three disclosers on these accounts. The Consumer Credit Reporting Agencies are using my information without my permission which is identity theft. so since the CFPB is not enforcing these guidelines that would make your company just as guilty as the consumer reporting agencies at committing identity theft. I demand these fraudulent accounts be removed from my consumer file immediately or I will be seeking legal action against all parties involved!

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