Consumer complaint received 2022-08-07
Company: Experian Information Solutions Inc.
State: OH
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 received a letter from XXXX stating after they finished their thorough investigation on the following accounts they determined that the accounts should not have been on my credit report and have been deleted. However these accounts are STILL being furnished on my credit report by Experian and XXXX. Soo this means that someone is lying! The credit bureaus are supposed to communicate with eachother about the consumers ( me ) investigation and results according to the FCRA and 15 USC Experian has refused several disputes and investigations as shown in the attachments below. 
They continue to furnish XXXX, XXXX XXXX, & XXXX. XXXX and XXXX have been on my XXXX credit report before and in which case they did a proper investigation determining the accounts were inaccurate and should not have been on my report. XXXX is Now saying these accounts are Not reporting on my credit report anymore ( as shown in attachments below ).. 

These accounts have failed to provide me ( the consumer ) validation of debt and written permission to furnish these accounts on my credit report. I asked these accounts to provide me with Validation of the debtthat is, actual accounting. 

Verification of their claim against you ; that is, a signed invoice. 

A copy of the contract binding both parties ( you and them ), in a letter by Certified mail so that there is an independent witness to it having been delivered. 

XXXX XXXX and XXXX XXXX  who is both 2 different debt collectors that XXXX  has hired and sold my private information to has only sent me a truth and lending disclosure which doesnt validate anything. They have nothing from me stating that i gave then written consent and permission to furnish anything on my credit report. So how is it that Experian is verifying this account when the other bureaus can not verify? Because someone is lying and violating my rights! I want these XXXX  account deleted immediately off experian and all other reports! 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. 
None of the bureaus have given me proper notice of a investigation as they are supposed to by law ; According to 15 USC 1681i ( 2 ) ( A ) states Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


XXXX has stolen my identity and sold my information several times to different collections agencies as you can see below in attachments they are hiring collection agencies to try to get me to pay a debt i do not owe. 

The bureaus stated disputed items were updated and/or verified however upon my checking inaccurate information still reports on my credit file and according to the FRCA 15 USC 1681 everything has to be 100 % accurate or must be deleted. 
THIS IS NOT THE TIME TO INVESTIGATE. REMOVE ALL THE ACCOUNTS FROM MY CREDIT REPORT or PAY XXXX PER violation. 
THERE HAS ALREADY BEEN OVER 5 investigations and the bureaus STILL HAVE NOT GOTTEN IT RIGHT!!! Nothing is accurate! DELETE THE ACCOUNT IMMEDIATELY OR I WILL NOW TURN THIS INTO A LAWSUIT! 

1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. XXXX XXXX account # XXXX. XXXX account # XXXX. XXXX XXXX account # 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