Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: AZ
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:
It is unlawful, and a direct violation of several FEDERAL LAWS and statutes to report inaccurate, misleading or Unverified information. 

On XXXX XX/XX/2022, I sent a letter asking each credit bureau to investigate the validity of the accounts listed below. 
On ( XXXX XX/XX/2022 ) I received responses from XXXX, Experian and XXXX stating that the following accounts 100 % accurate and true-verfied and would not be removed from my credit report. 

Per the procedures and laws stated in 15 USC 1681i and its subsections I have requested that all FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which the following items have been disputed have been NOTIFIED of the DELETION of these accounts due to their inability to prove their validity. 

To ensure that you receive NOTIFICATION I am including the following attachments to this letter. 
Original letter to Credit Bureaus Copies of signed Certified Mail receipts showing companies received the letter A listing of each error from each creditor on each account PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this information on my credit report is a violation of my rights. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
The actual judgement and paperwork with my signatures affixed would satisfy that requirement. That is not what was done. 

However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX, XXXX and Experian also violated my rights numerous times. 

XXXX, XXXX and Experian took my information and sold it to the highest bidder without my written permission. They violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states any consumer reporting agency can not furnish information on my credit report without my written authorization and instructions. I did not give any credit reporting agency my authorization, nor instructions to furnish the below referenced information. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states any consumer reporting agency can not furnish information on my credit report without my written authorization and instructions. I did not give any credit reporting agency my authorization, nor instructions to furnish the above referenced information.

According to : 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

All of the credit reporting agencies had reason to believe that the above referenced information COULD be inaccurate, yet they still report the information as 100 % accurate. This is in violation of 15 U.S.C. 1681 S-2 ( A ) ( 1 ).

The information appearing on my credit reports is still erroneous because it does not match my records. I did not not give written permission or instructions for the information to appear on my credit reports. And finally, I have a right to maintain the privacy of my data.

It is well within the Law : 15 USC 1681 for me to seek damages at this time for {$1000.00} for each violation ( error listed on my credit reports ) of my rights for each credit bureau,. At this time there are violations listed in my enclosures for each credit bureau. If the credit bureaus, XXXX, XXXX, Experian, immediately delete this unauthorized ( " XXXX XXXX ... '' ) information from my credit report within 30 days from the date of this certified letter, I will agree not to pursue damages of {$1000.00} for each error from each credit bureau and other credit reporting agency ( ies ). 

Accounts Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX Credit Bureaus reporting this incorrect information : XXXX, XXXX, Experian Account Name : XXXX XXXX XXXX Account Number : XXXX. 
This account is different on all three bureau credit reports. 

Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$1300.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF ED/XXXX Account Number : XXXX {$2700.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$11000.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$6600.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF ED/XXXX  Account Number : XXXX {$1300.00} Credit Bureaus reporting this incorrect information : XXXX, Experian Account Name : U S DEPT OF EDXXXX Account Number XXXX XXXX {$3100.00} Credit Bureaus reporting this incorrect information : XXXX, Experian Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information : XXXX, Experian Account Name : US DEPT OF EDUCATION Account Number : XXXX {$2900.00} Credit Bureaus reporting this incorrect information : XXXX, Experian Account Name : US DEPT OF EDUCATION Account XXXX : XXXX {$2700.00} Credit Bureaus reporting this incorrect information XXXX XXXX, Experian Account Name : US DEPT OF EDUCATION Account Number XXXX XXXX {$6600.00} Credit Bureaus reporting this incorrect information : XXXX XXXX Experian Account Name : US DEPT OF EDUCATION Account Number : XXXX {$11000.00} Credit Bureaus reporting this incorrect information : XXXX XXXX Experian Account Name : DP OF EDUC Account Number : XXXX {$3100.00} Credit Bureaus reporting this incorrect information : XXXX Account Name XXXX DP OF EDUC Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : DP OF EDUC Account Number : XXXX {$0.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX This account is different on each credit report. 
Credit Bureaus reporting this incorrect information : XXXX, XXXX, Experian Account Name : XXXX XXXX XXXX Account Number : XXXX {$1200.00} Credit Bureaus XXXX this incorrect information : XXXX XXXX XXXX XXXXAccount Name : XXXX XXXX XXXX Account Number : XXXX {$2500.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX {$5500.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX {$7000.00} Credit Bureaus reporting this incorrect information : XXXX, XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect XXXXnformation : XXXX, XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX XXXX {$2700.00} Credit Bureaus reporting this incorrect information XXXX XXXX, XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX {$2400.00} Credit Bureaus reporting this incorrect information : XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX {$6700.00} Credit Bureaus reporting this incorrect information : 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