Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
I am following up with my CFPB # XXXX ; On or around XX/XX/2022 at approximately XXXX hours I called XXXX regarding their Account # XXXX reporting false information on my personal credit report without proof of my consent. XXXX agents ( XXXX and XXXX XXXX stated that the account ( s ) name holder is : XXXXXXXX XXXX, I immediately replied asked them to please verify the name, and they said, " account name is under XXXXXXXX XXXX  " I replied on the recorded line that " XXXXXXXX XXXX '' is NOT my name, and I demand to see the bilateral contract, XXXX Form [ Authorization for Social Security Administration ( SSA ) to Release Social Security Number ( SSN ) Verification ], and proof under 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 instructions15 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. For reasons stated, XXXX must remove all account ( s ) from my credit reports due to the fact they are not in compliance with state nor federal laws. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. In closing, to lawfully retain and or report any claim of information, be it an account or any aspect of such, there must be irrefutable fullness in the perfect and complete adherence to the CDIA enacted STANDARDS, truth of reporting, correctness of reporting, Completeness of reporting, Timeliness of reporting and undoubtable OWNERSHIP of responsibility for claimed derogatoriness, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA MEtro 2 data field formatted reporting regulatory standards as per my Counsel. XXXX and its agents insists that the Credit Borough is the body that is responsible for reporting error, however Experian as of XX/XX/2022 states, " XXXX is the one that is furnishing the inaccurate account ( s ) ''. Both XXXX  and EXPERIAN claim their investigation was verified, however how is that possible if I have not seen verified proof of contract, and the listed account ( s ) are not 100 % accurate on my Experian report. This is grounds for REMOVAL. My rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions ; They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states : the credit bureaus have 5 days to notify the consumer ( me ) from when they receive my disputes. ( I have not received a timely notice by Credit Bureaus ) And Experian is in violation under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ) ( ii ) The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of 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