Consumer complaint received 2021-09-20
Company: Experian Information Solutions Inc.
State: MD
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:
I have notified and requested from all three credit reporting agencies XXXX, Experian, XXXX through several certified letters and documents, that they accounts I requested by verified. I have been told that items were verified. I asked how is that possible when these were in fact not verified and put into a ( automatic Data process ) system with the use of XXXX XXXX codes that do not verify human to human.? These letters have been sent to the credit reporting agencies and have come back verified. How can something that's a Government public record be verified if the court system does not verify public records. Also the XXXX  system does not guarantee the accuracy or truthfulness nor that what is on its website is accurate as stated on their website which is enclosed. These credit bureaus are fraudulently reporting information on my credit report and refuse to remove it. According to the FCRA the CRA is suppose to remove the item described until a complete investigation is complete. I have spoken to XXXX and is also listed on their website and also disclosed that any information that they report may not be 100 % correct. XXXX states that the information received from them is accurate and correct. XXXX that the information is verified but would not disclose who the data furnisher was. Experian states that any and all public information is reported to the CRAS. I have not signed any disclosure or release of information documents. Their are several violations that are being violated and these bureaus refuse to abide by.

( Privacy Act of 1974 5 usc 552a Public Records Act 31usc 3711 ( e ) 15 USC 1681b ( a ) ( 2 ) Commercial purpose declaration 42.56.070 ( 8 ) XXXX XXXXXXXX XXXX are automated systems all the credit reporting agencies put in are ( dispute codes ) XXXX included in bankruptcy or another person XXXX account included in bankruptcy XXXX dispute dates of last payment/opened/ billing/ closed XXXX dispute payment history Pacer is a government website that is not suppose to be used for commercial purposes, however the Credit reporting agency is not a government website which uses trade lines to purchase people information and then use it for a commercial purpose. Any information made available to the public could potentially be information captured, stolen, stored in their data base and then sold. These credit reporting agencies have a payment account system used to purchase personal information on a individual. Any Public system that's open to the public could compromise anyone personal information by creating a account and storing information on a computer or database for resale. How do I know any information contained on my credit report was not illegally obtained or purchased if information can not be verified before being reported. None of these named accounts have been verified by a human being, Nor have I signed or authorized release of any information for such. How can a credit bureau give a Social security number to another company for verification? or any other personal information as such? XXXX does not match bankruptcy or any other information to a consumer credit file. I have contacted XXXX  XXXX and XXXX XXXX. I was informed by both companies that only electronic information is sent to them and they do not speak to a live person and do not verify human to human. How is any information verified through a automated system? I have not received any physical documentation with my signature that any of these accounts in fact belong to me. All three bureaus report different findings. If all the said information was verified like they say it was, then why are they reporting different things? No physical documentation has been provided or received. In accordance with the FCRA section 611 15 U.S.C. 1681, challenging questionable information that i have found on my credit report. I request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, able to verify my complete file information including full legal name, address, date of birth, social security number and release of information documents with my inked signature.

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