Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
A few months ago, I was denied for a credit card, so I pulled my credit report and noticed that there were a lot of inaccuracies being reported by XXXX, Experian, and XXXX. On XX/XX/2022 I sent certified letters to XXXX, Experian, and XXXX and asked them to conduct a complete investigation the following entries on my credit report because they are inaccurate. 

Public Record Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX
 Account Number : XXXX Account Name : XXXX XXXXl
 Account Number : XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX After a few weeks, XXXX, Experian, and XXXX replied to my letter and stated that they completed an investigation and that the above mentioned accounts were updated but NOT verified. How was a complete investigation done if according to 15 U.S.C. 1681 section 603 ( 3 ) ( E ) it states that the term investigative 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 consumers 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 or from the consumer?

These items are still reporting inaccurately and I would like for them to be deleted. 

The credit bureaus violated my given rights under 15 U.S.C. 1681.

According to : 15 U.S.C. 1681i Section 611 : ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The credit bureaus DID NOT verify the items mentioned above. They updated the items as seen in the attached document. Please delete these items based off of 15 U.S.C. 1681i Section 611 as my rights have been violated.

According to : 15 U.S.C. 1681 Section 602 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy According to : 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 According to : 15 U.S.C. 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.

I also sent a letter to the Unites States Bankruptcy Court asking them if they report bankruptcies to credit bureaus and they said they DO NOT report to credit bureaus. I have attached the letter I received from the US Bankruptcy Court. I would like deleted this from my credit reports immediately. 

I have been patient throughout this process but XXXX, Experian, and XXXX have all violated my rights at it has held my life back because it is keeping me from being approved for a home in the future. All I wanted was a complete and fair investigation according to the Fair Credit Reporting Act, but clearly these three credit bureaus did not follow the law. Please delete the above mentioned items that are inaccurately being reported on my credit report and it is not fair. If these items are not deleted, I will file the necessary paperwork to hold XXXX, Experian, and XXXX for {$1000.00} per violation because they have clearly violated my rights according to 15 U.S.C. 1681. 

I have attached identification and documentation to support my complaint.

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