Consumer complaint received 2020-11-24
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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, I submitted a demand for XXXX XXXX and Experian to remove a derogatory reporting which should not been on the report for specific reasons BUT most vital -- - I never gave XXXX XXXX written authorization to report this erroneous item # 1. I have asked Experian and XXXX XXXX to submit to me proof that I submitted written authorization after XXXX providing me the following statement as required by the Fair and Accurate Credit Transactions Act of XXXX. XXXX XXXX was required to provide me the following statement as prescribed by Section 217 " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS< MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' XXXX XXXX never provided me a NOTICE OF FURNISHING NEGATIVE INFORMATION and I am now affected by the misconduct of XXXX XXXX - harrassment, bullying and decrimination whereby their employees malicious acts are now affecting my ability to keep my rental home - prohibiting me an American from maintaining Shleter over my head at XXXX years old. 

The the underlying issue. - the XXXX dealership emaployees were lazy and knew they sold to me NON_- DISCLOSURE of material facts - a defective car. XXXX employees records show NO SERVICE WAS EVER completed on the used car prior to selling - the car was never working to point XXXX agreed to pick up their car after only 2.5 months! The car could not be driven ANYWHERE! So XXXX is now being deceptive in trying to make appear that they stole credits from the estate of XXXX XXXX then got paid again with multiple insurance policies THEN I got a collection company to admit that they bought my information WITHOUT my permission for pennies on the dollar to try to steal more money from me. 

The main point - XXXX and Experian- it has now been 30 days whereby I demanded you to show me a signed NOTICE OF FURNISHING NEGATIVE INFORMATION - Signed by me or anything signed by me allowing XXXX XXXX XXXX report this erroneous negative marking. If you can't provide me my written authorization to report ANYTHING negative related to XXXX XXXX then XX/XX/XXXX - this negative marking which has no NOTICE OF FURNISHING NEGATIVE INFORMATION attached with my signature - then XXXX XXXX and Experian must remove this negative line item related to XXXX XXXX - it is Federal Law - please read- The Fair and Accurate Transactions Act of XXXX - required statement never presented to me as prescribed by Section 17. 

XXXX XXXX and Experian are having me dispute again another 30 days - I had to call Experian to find out if they removed the negative mark after being disputed XX/XX/XXXX. XXXX XXXX or Experian never responded to myt detailed demand to have the negative mark removed after their failure to provide my authorization to report the erroneou s item.

This is now bullying, harrassment, and decrimination as outlawed by Fair Housing Act affecting my ability to maintain shelter - Civil Rights Act of XXXX, Civil Rights Act of XXXX and Violence Against Women 's Act. Please read The Fair and Accurate Credit Transactions Act and Section 217. I am demanding XXXX XXXX and Experian stop harrassing me by asking to dispute again- they failed to respond between XX/XX/XXXX and XX/XX/XXXX. Remove the negative XXXX XXXX line item today.

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