Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In sight of recent investigations brought upon Experian, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Experian of their duty pursuant to 15 USC 1681. It appears Experian intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. in XXXX and XXXX of 2022, I made a dispute to Experian to verify some of my accounts. They were supposed to do a clear investigation, which they did NOT do. Most of everything on my credit report came back verified. Did Experian conduct interviews? Who did Experian talk to? Did Experian interview my friend? What was the procedure like? Send me the proof. Please send procedure of the investigation. In order for credit bureaus to conduct an actual investigation of the accounts that are on a consumer report that the consumer is disputing, they have to conduct an investigation a certain type of way, which is taking interviews from neighbors and friends about the information thats being disputed pursuant to 15 usc 1681a ( e ). 15 USC 168li ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. Experian has failed to provide a 100 % accurate investigation for the accounts that are on my credit report. None of the accounts on my Experian profile can prove I owe a debt. Experian couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Experian consumer report. I made a call as another attempt to have these errors corrected on my consumer report. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX US DEPT. OF EDUCATIO ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pursuant to 15 U.S.C 1681a ( 2 ) ( 15 u.s.c 1691 ( a ) ( 3 ), 15 u.s.c 1691a ( e ), 15 u.s.c 1691 ( e ), 15 u.s.c 1642, 15 u.s.c 1681M, 12 CFR 1002 there should be no transactions reported onto my credit report. This includes late payments. 

Experian never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Experian to furnish or create any report. I never consented to any account on my report on the first place. 

15 U.S. Code 6821 Congress made it clear that Experian assumed the role of a financial institution through association.

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 non-monetary relief