Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the FAIR CREDIT REPORTING ACT, the following accounts entered have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse information, other than records of convictions of crimes which antedates the report by seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15USC 1681i ( 7 ) A consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

What kind of investigation was completed?

15 USC 1681a ( e ) investigative consumer report ( e ) 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. 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.

No authorization to collect to attempt to collect on the account and the account continues to negatively impact me. Please strike and remove this account from all credit bureaus immediately due to information being reported incorrectly and without all proper validation.

15 USC 1681e ( b ) ( b ) Maximum Accuracy of report 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.

Please provide : -Original Contract -Copy of ALL payment History -Name & Address of original creditor -Proof of debt assignment 15 USC 1681e ( b ) According to IRS, Cancelled Debt ( Collection ) is gross income and income is not reported on consumer report. All chargeoff are inaccurate accounts.

I have reached out to credit bureaus on several occasions with certified mail, with most recent being XX/XX/2022 and submitted online disputes throughout the pandemic, which has taken a hard toll on my finances and credit as a direct result of the debt collection agencies and bureaus due diligence to perform a thorough and complete investigation and validation of alleged debt. I have also sent copies to CFPB and 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 non-monetary relief