Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: AR
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX   XXXX XXXX  Account XXXX  XXXX XXXX XXXX XXXX  XXXX, Account name XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. NONE OF THIS IS SHOWING ON XXXX AND I TOLD THEM I WAS A PART OF THE CONSUMER FINANCIAL PROTECTION BUREAU DATA BREACH AS WELL! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-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. 

VIOLATION OF VERIFICATION and VALIDATION OF THE DEBT NO PROOF HAS BEEN SENT TO ME. NO ACTUAL CONTRACT WITH MY WET INK SIGNATURE ANYWHERE! NO PROOF THEY NEED TO REMOVE PER SCTION 611 THEY CLAIM THEY CERTIFY UNDER OATH BUT CANT VERIFY WITH PROOF PER THE LAW! 

The following INACURATE AND INCOMPLETE Items need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I sent complaints and letters ON to Experian and XXXX Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance {$12000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX 
Show more Account name XXXX  XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$40000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$41000.00} written off. {$40000.00} past due as of XX/XX/XXXXXXXX XXXX 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$11000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$770.00} past due as of XX/XX/XXXXXXXX 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$8100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. 
Show more Account name XXXX XXXX XXXX XXXX Account number XXXX .... 
Recent balance {$36000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$1200.00} past due as of 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