Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian. Account # XXXX XXXX. Account # XXXX Notice to agent is notice to principal, notice to principal is notice to agent. 
I am practicing my legal rights. 
I have noticed several inaccuracy on my consumer credit report for the past two years I have been addressing some of the issues on my consumer credit report I have send notification to Experian XXXX in the past, I have noticed that XXXX and Experian does not do a proper investigation when the investigation is done, XXXX or Experian does not notify the consumer on how they conducted the investigation on my consumer credit report. On the Account with XXXX XXXXXXXX XXXX  there have been several inaccuracy reporting illegally I have dressed the issue with the credit bureaus by mail on several occasions. My understandings are the following. 15usc 1681s-2 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if -- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. On my Experian report it's showing XXXX potential negative months which my understandings are the following, 15 U.S. Code 1666 b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. On my Experian account is also showing in update XX/XX/2019 with a past due amount of {$6100.00} is also showing the dispute has been resolved without showing proper notice to the consumer. Also these accounts appear to be close on my consumer credit report with a balance and a charge off. To my understanding. Property means any real property ( such as a personal residence ), any intangible property, and tangible personal property except the following. No reporting is required for tangible personal property ( such as a car ) held only for personal use. However, you must file Form 1099-A if the property is totally or partly held for use in a trade or business or for investment. No reporting is required if the property securing the loan is located outside the United States and the borrower has furnished the lender a statement, under penalties of perjury, that the borrower is an exempt foreign person ( unless the lender knows that the statement is false ). And this also applies to chase auto finance. I am requesting XXXX and Experian to delete both of those accounts from my consumer credit report once is investigated properly. Also, my understanding to HJR 192 As used in this resolution, the term 'obligation ' means any obligation ( including every obligation of and to the United States XXXX excepting currency ) payable in money of the United States ; and the term 'coin or currency ' means coin or currency of the United States , including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Also, I have noticed two accounts with XXXX XXXXXXXX XXXX with the same account number showing on this account with XXXX, which I have disputed this account in the past. If the consumer can see the inaccuracies and the errors on this account. My understandings, to me means the right to privacy is a concept that has been developed in American law and constitutional doctrine since the late 19th century. It is the right of a person to be free from intrusion into or publicity concerning matters of a personal nature, or as a " right to be let alone ''. It is also a fundamental human right recognized in international and regional treaties. It is necessary to protect the autonomy and dignity of an individual, and it underpins other important rights such as freedom of conscience, speech, and association. It can be violated by physical or electronic means, unauthorized disclosure, false light, or unauthorized use of one 's name or likeness. It is especially relevant in the context of social media, where privacy helps individuals to mind their businesses without interference and reduces the amount of information they get concerning other people. Please address this information to the companies that I have mentioned including XXXX XXXX. The information that has been reported to my consumer credit report is inaccurate in the Attempt to damage the consumer.

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