Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account Number : XXXX 2. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account XXXX : XXXX 3. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account XXXX : XXXX 4. They have not reported this account since XX/XX/XXXX which is about 3 years now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me. 
XXXX XXXX  Account Number : XXXX 5. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account Number : XXXX XXXX. XXXX is reporting the date of the last payment as XX/XX/XXXX while Experian is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations. 
XXXX Account XXXX : XXXX 7. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account XXXX : XXXX XXXX. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately. 
XXXX XXXX Account XXXX : XXXX 9. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately. 
XXXX XXXX Account XXXX : XXXX XXXX. This can not be a repossession because XXXX has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate. 
XXXX Account XXXX : XXXX 11. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately. 
XXXX XXXX Account XXXX : XXXX 12. Pursuant to 15 usc 1681a ( 2 ) ( B ) transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. 
This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information was published on my consumer report for XXXX. This is a violation of the 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed. 
XXXX Account XXXX : XXXX 13. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form. 
XXXX Account XXXX : XXXX 14. XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. 
XXXX Account XXXX : XXXX 15. They have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me. 
XXXX Account XXXX : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). 

I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

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