Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: OH
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:
Be it known According to FDCPA 15 US Code 1681i ( A ) the following reinvestigation dispute request with the following consumer reporting agencies began upon the date received via certified mail receipt! NOT THE DATE COMPLAINT WAS FILED! 
On XX/XX/2023 I sent a notice of dispute letter certified mail to XXXX, XXXX XXXX, & Experian In regards to inaccurate, unverified accounts on my consumer report & I have yet received back any prompt notice of my dispute letter after the fifth business day according to 15 US Code 1681d ( b ) from the 3 consumer reporting agencies with the exception of 1, XXXX XXXX via mail per my request. On XX/XX/2023 I sent another certified mail reinvestigation letter in regards to the description breakdown of their reinvestigation & have yet received a Prompt notice of dispute correspondence with the exception to 1, XXXX XXXX via mail per my request. I received no notice of dispute or disclosure of DRNSI disclosure request and Nature of Scope of Investigation from either XXXX or Experian! 


This is indeed a clear violation of my consumer rights under the FDCPA 15 US Code 1681i ( 2 ) ( A ) ( B ) & 15 US Code 1681s-2 furnishing information with the actual knowledge of errors & willful negligence & failure to comply with the prompt notice of dispute 5 business day correspondence per my request! I am now demanding the deletion of accounts disputed & or be compensated for willful damage of my credit worthiness, character and mode of living. 
It is indeed a fact that the following information on my consumer report is being reported inaccurate unverified & incomplete upon proof of all submitted documentation! 


15 U.S. Code 1681e - Compliance procedures - Accuracy of report states - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. - CONSUMER STATEMENT- it is indeed a FACT that the following supporting documents shows, that XXXX , Experian & XXXX XXXX has violated my consumer rights & has damaged my credit worthiness, credit reputation, character and mode of living & has wilfully neglected their grave responsibilty 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies states - Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency ifthe person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate.- CONSUMER STATEMENT- it is indeed a FACT that the following information on my consumer report is being reported INACCURATE! 

15 U.S. Code 1681d ( B ) - Disclosure of investigative consumer reports states - Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. - CONSUMER STATEMENT - it is a fact I did not receive a Disclosure of Request of Nature & Scope of Investigation " with the exception to XXXX XXXX ''. I DID NOT RECIEVE A DRNSI with neither XXXX or Experian

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