Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TN
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 have sent this attached letter to Experian with my ID and utility bill to prove my address and they are stalling to say they don't belive it's me to properly investigate their violations. I need them to do their job and investigate and delete these items due to their violations. 

Dear Experian I've pulled my credit report and have seen inaccurately and fraudulently reported negative information furnished by you that needs to be investigated and removed. 
I've also done a little research and have found that when I dispute that something is incorrect, you need to contact the data furnisher and have them verify it. From my research, I've found that if I tell you that something is inaccurate in my credit report, you need to find out what the faulty information is, and you need to contact the data provider to request an amendment. However, I've noticed that you only compare your own data with the data provided by the data furnishers doing this means that you're going to get the same result. When I first started researching eOscar, I realized that you only compare your data against other the data furnisher 's. In doing so, you're essentially always going to get a verified result! So, I'm contacting you to request that you do more than a " database comparison '', because this is federal law mandates an independent investigation. 
I also read on the internet about something called 15 U.S. C Sec. 1681i ( a ). It says that if you can not provide proof, these accounts must be deleted. If not available, I would want these accounts deleted if they are not 100 % correct and accurate. It also mentioned that you have 30 days to complete this investigation. 
My rights have been violated by reporting the following inaccurate accounts.

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

15 U.S.C. 1681 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing any of the following information : any other adverse item of information, other than the records 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 account may be inaccurate. 
XXXX XXXX : Account number : XXXX, this account needs to be removed due to the fact that the date last active reports as XX/XX/XXXX on XXXX ( even though there was no activity on this date ) and XX/XX/XXXX on Experian! 
XXXX : Account number : XXXX, remove account for inaccuracy because the payment history reports continued late payments after this account was closed. 
XXXX XXXX XXXX : Account number : XXXX, I really don't know what you are doing. I would like to remove this unverified account unless you can provide a signed contract. 
XXXX XXXX XXXX : Account number : # XXXX, remove for inaccuracy because the date last paid is XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian. This is also a violation for re-aging delete immediately. I am requesting the investigation of the referenced inaccurate account info above and it's my right to a credit report once you've completed this investigation reflecting the changes. Please include documentation to back up your claim if you find it accurate. 
I am requesting all of the referenced accounts above be deleted for inaccurate reporting, inaccurate changes, and violations. It's my right to receive a credit report once you've completed this investigation reflecting the required changes. Please include the providers documentation to back up your claim if you find it accurate.

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