Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: MS
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:
To Whom It May Concern, This is in reference to the correspondence sent by your company dated XX/XX/2022. I am aware that your correspondence was sent due to my filing of a complaint with CFPB on XX/XX/2022. I filed the complaint because of your company 's failure to follow my written instructions being the consumer. In the CFPB complaint, I attached documents that were sent to the furnisher, which gave them noticed to Cease all communication with you in reference to the alleged accounts. Not only that, I sent a notice to your company, which informed your company that it did not have a permissible purpose to furnish the information, but it was intentionally ignored. Keep in mind that, that all documents were sent via Certified Mail, and I have proof that they were received. As of date, this information is still being furnished on my consumer report. This is a violation of my consumer rights. 

I have disputed these items with your company on numerous occasions and on each occasion it was concluded to be verified or just updated based on your company 's alleged re-investigations ( see attached documents ). I am here requesting your method of verification for the above items. I am requesting this information because on XX/XX/2022, I also filed a CFPB complaint against XXXX XXXX XXXX, to which they replied on XX/XX/2022 ( see attached documents ). They were not able to provide proper documentation for the alleged accounts and stated they would send you a request to delete the trade line. Now if they were not able to provide me with the proper documentation to validate the accounts. How was your company able to fulfill your duty as CRA, and exercise your grave responsibility with fairness, impartiality, and demonstrate respect for my right to privacy, pursuant to 15 USC 1681a ( 4 )? You claimed that the information was verified and updated by mail and your response through the CFPB. You knowingly and willfully provide false information ( see attached documents ). You Lied point blank and the period. 

Pursuant to 15 USC 1692e, a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of a debt. The mere fact, they have furnished information on my consumer report and do not have grounds or the proper documentation to substantiate the account is False, Misleading, and very Deceptive. I do not owe or have any contractual obligation to pay, XXXX XXXX XXXX ( debt collector ). Nor have I ever done any form of business with them. Now if your company would have done a legitimate re-investigation you would have concluded that, but you did not. I am demanding to know how was this information verified and found to be valid. Per the Fair Credit Report Act, your agency is supposed to be fair and impartial, but in this situation, you failed tremendously. Due to this inaccuracy, I was denied my right to extend credit and have suffered several financial hardships as well as mental anguish. Not only that it has ruined my reputation and creditworthiness. 


Deleted these accounts immediately and send me proof of the deletions. I also will be filing a CFPB complaint. And A legal suit will be filed shortly after. 



Your immediate response to this matter would be greatly appreciated.

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