Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been disputing inaccurate payment history with the bureaus for my XXXXXXXX XXXX account for over 2 years. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The bureaus were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the bureaus exceed the history by reporting four years history or more. Previous reports show payment was received, I have provided my XXXX Credit Card statements along with dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The bureaus deliberately are making every attempt to assassinate my character by portraying me as a financially irresponsible consumer. They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX account and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The bureaus denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the bureaus with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The bureaus are running a numbers business and not a legitimate business. The bureaus have violated my rights and need to be held accountable for their actions. 

I sent a letter off to the bureaus on XXXX to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this certified letter were copies of my state ID, SS card, and phone bill. Here is my tracking # XXXX, to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. 
These are clear violations of my federally protected consumer rights. 

Also, the bureaus took more than 30 days to complete my investigation here are some of my most recent certified mail tracking number # s disputing the information above again XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX In accordance with the fair Credit Reporting Act the bureaus have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction.

15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted.

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