Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: CA
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 written letters in great detail to Experian on many occasions disputing the following items : XXXX  XXXX XXXX XXXX ( NO ACCOUNT NUMBER! HOW ARE YOU STILL REPORTING THIS??? ] XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ; and XXXX. XXXX, XXXX XXXX for violating one  or more of the following : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. ( Including Experian ). A representative of the CFPB responded to me in writing stating " THE COMPANY HAS VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM ''. The CFPB copied and pasted this resolution for each item that I disputed, meanwhile NONE OF MY MATTERS WERE ADDRESSED! I would like to see the additional information that was allegedly provided to verify these accounts! Please mail it to me! If these companies have to keep finding ways to " update '' these accounts, and altering the information that was previously reporting, -that only means that THE ACCOUNTS WERE NEVER REPORTING ACCURATELY IN THE FIRST PLACE, -WHICH BY LAW, MEANS THEY NEED TO BE DELETED!! Also regarding my previous complaint, why did no one address any of the violations? Why did no one address my right to privacy being violated? Why did no one address that I never opted into reporting? You do understand that no consent equals identity theft, right?! Why did no one address the fact that I requested original contracts and original disclosure forms that these companies allegedly have on file, and I never received them! Why did no one address that XXXX, XXXX, and Experian are furnishing completely different information for the same accounts! How am I to believe anything that is being reported with XXXX proof?? Why are these companies reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct? Why has no one sent me a full-accounting ledger for these accounts as I requested???? Nonetheless, I sat and waited 60 days for that extremely LAZY response above from the CFPB! YOU, the CFPB are the supervising authority over the CRA 's, yet, you are not enforcing any laws ; why is that??? To this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT, AND IT HAS NOT BEEN!! Your blatant disregard for fairness, privacy, and accuracy is obvious! This is mere willful noncompliance! Congress states that the behavior I am experiencing by you impedes the banking system and undermines public trust. I have experienced tremendous mental anguish and injury due to these matters. Not only that, I have been unable to obtain new credit, and these matters have caused an extreme amount of difficulty for myself and my family. Please reinvestigate these matters. I do not consent to XXXX

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