Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. I AM TIRED OF WAITING ON EXPERIAN TO DO WHAT THEY ARE SUPPOSED TO BE DOING PER THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) WHEN IT COMES TO RE-INVESTIGATION. AFTER LOOKING AT CONSUMER LAWS THE ITEMS I LISTED SHOULD BE REMOVED. BY ALLOWING THESE ITESM TO STAY ON MY CONSUMER REPORT XXXX IS DAMAGING AND RUINING MY CHANCES TO OBTAIN A MORTGAGE. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE TO ME CONSUMER REPORT. 1.On the grounds of 15 USC 1681s2 ( B ), the information I listed should all been deleted after all the re- investigations 2.On the grounds of 15 USC 1666B TIMING OF PAYMENTS ALL LATE PAYMENTS SHOULD OF BEEN ALL REMOVED FROM EACH ACCOUNT I LISTED BELOW. 3. UNDER 15 USC 1681C-2 BLOCK OF INFORMATION these accounts I listed should of all been deleted AFTER NOT BEING PROPERLY INVESTIGATED and not reporting on my consumer report. 4.Under FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B2 PERMISSABLE PURPOSE these unauthorized inquiries I listed below should all be deleted 5. This address where I DO NOT RESIDE AT should be deleted. REMOVE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. REMOVE ALL LATE PAYMENTS SHOWING IN ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX REMOVE ALL LATE PAYMENTS REPORTING, REMOVE THIS INQUIRY XXXX XXXX  XX/XX/21. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE CHARGE OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX SHOULD ALL BE DELETED BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS ON THERE ACCOUNTING BOOKS ARE CLEARED AND RECIEVED DEFAULT INSURANCE PAYMENT AND TRYING TO GET DOUBLE ENRICHMENT PAYMENT FROM ME THATS NOT FAIR TO ME THE CONSUMER. I have ASKED FOR RE-INVESTIGATION OF ALL these issues ( 3 ) times prior and have PAST CFPB DISPUTES ON RECORD WITH THERE REPLY AS PROOF and every time it all came back " verified " but NOT ONCE DID I RECIEVE THERE METHOD OF PROPER INVESTIGATION STEPS THEY TOOK IN WRITING SENT TO ME REQUIRED BY THE FCRA needed to be continuing to be reporting on my consumer report. Under the FCRA CONSUMER LAWS I LIST THESE ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE XXXX WILL NOT COMPLY TO THESE FCRA CONSUMER LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. THEY ARE NOT COMPLYING TO THESE FCRA LAWS LISTED AND ARE IN VIOLATION OF 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. AND EXPERIAN DOES NOT COMPLY WITH GRAMM-LEECH-BLILEY ACT WHEN IT COMES TO MY CONSUMER REPORT. AND AS A RESULT I AM NOT BEING FEDERALLY CONSUMER LAW PROTECTED.

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