Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing 30 DAYS no action has been taken into removing these ACCOUNTS my dispute results and documents are attached to this complain as well as my FTC REPORT! The bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other bureaus to do the same makes no sense for them to still be reflecting on bureaus while being DELETED from others. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation. According to the law 15 U.S. Code 1681a - Definitions ; rules of construction the term *investigation consumer report* means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer of from the consumer. The Credit Bureaus stated my account was properly investigated but how is that possible if only one bureau has deleted the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate They did not interview any neighbors and have also failed to respond or take action with in the 30 day period they have failed to follow any proper investigation Law under the FCRA. These accounts listed below are ground for removal! 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME - XXXX XXXX XXXX XXXX, ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX XXXX  ACCOUNT # XXXX / ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX / ACCOUNT NAME - XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX / ACCOUNT NAME - XXXX XXXX XXXX ACCOUNT # XXXX. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! I DEMAND XXXX AND EXPERIAN TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DISPUTE RESULTS RECEIVED BY 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