Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: HI
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 filed complaint number XXXX on XX/XX/2022 thru the CFPB against XXXX, complaint number XXXX on XX/XX/2022 thru the CFPB against Experian, and complaint number XXXX on XX/XX/2022 thru the CFPB against XXXX AND complaint number XXXX on XX/XX/2022 also thru the CFPB against XXXX, complaint number XXXX on XX/XX/2022 thru the CFPB against Experian and complaint number XXXX on XX/XX/2022 thru the CFPB against XXXX these complaints include FRAUDULENT activity on my credit report with police report included & also an INACCURATE / ERRONEOUS account and in BOTH complaints, XXXX ( Experian & XXXX are still working on both but I am including proof of identity & proof of residence to help assist in these complaints ) in BOTH complaints XXXX came back saying accounts are verified & accurate & closed the complaints I would like to remind XXXX, YOU ARE BREAKING THE LAW!

Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon MY consumer report being fair and accurate. After taking a look at my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies initial investigation that you were going to report this information.

Pursuant ro 15 usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies procedures and as a result of this, I will no longer be extended credit, and if this information is not removed I no longer want my information in your companies database.

Pursuant to usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation and it has adversely affected my credit worthiness.

Pursuant to 15 usc 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. 

Pursuant to 15 usc 1681 ( a ) ( 4 ) - You did NOT ensure that this information is accurate, and you did NOT exercise your grave responsibility with fairness and impartiality. You took ONE side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy.

Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, AND failed to investigate properly, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should NOT be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 usc 1681 a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 usc 1681a ( B ) - I am including a copy of my ID for proof of my identity & a utility bill for proof of residence These accounts needs to be removed from my credit file IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX / XXXX

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