Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: NJ
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:
First, according to the XXXX your company is defined and regulated as a financial institution under 15 U.S.C. 6804 ( a ) ( 1 ). Your company has shared my non-public personally identifiable financial information with a non affiliated third party without my consent without providing me the full disclosure informing me of my option to opt out which is unlawful. Without being given my prior consent your company has published negative, inaccurate and fraudulent information on my consumer report during the COVID-19 Pandemic which is unlawful pursuant to the FCRA, FDCPA and a violation of 15 U.S.C. 1681s-2. 
Further, I am aware that XXXX XXXX XXXX of the XXXX XXXX XXXX on the Coronavirus Crisis has stated that the XXXX XXXX said it found evidence that the Credit Reporting Agencies discarded disputes without investigation. For me this has proven to be true as your reinvestigation into my past disputes and most recent dispute has took longer than 30 days and has not corrected the inaccuracies furnished on my consumer report. I have disputed the inaccurate account ( XXXX ) mentioned herein with XXXX and XXXX, the results of those disputes were that erroneous account ( XXXX ) were deleted and blocked from reinsertion due to the account ( XXXX ) being UNABLE to be verified on XXXX, XXXX, meanwhile EXPERIAN continues to report the unverified account ( XXXX XXXX on my Consumer Report that of which are not reporting on my consumer reports with XXXX and XXXX as of XX/XX/XXXX. Copies of the XXXX and XXXX dispute results reflecting the unverified account ( XXXX ) deletions are attached to this notice. It is evident that EXPERIAN is not ensuring the accuracy of a consumer 's report and has demonstrated willful noncompliance for repeatedly failing to properly reinvestigate my disputes. My initial dispute was detailed and directly related to the account ( XXXX ) in question. Ive sent your company multiple disputes, many of which you have completely ignored or not replied to within 30 days which is a violation of the FDCPA and FCRA. I first notified EXPERIAN of the inaccuracies furnished on my consumer report on XX/XX/XXXX to which you have not corrected. Again, I sent notice of dispute via CFPB on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which you have ignored and not corrected. You repeatedly indicated the presence of a third party when I sent the disputes on behalf of myself and never indicated a third party being present to the dispute, the use of a notary is for verifiable identification purposes only. Every time I called your company to inform you there was no third party present and to proceed with my dispute, a representative would indicate that my dispute would proceed but it has not and I still HAVE NOT received any results of those disputes sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX EXPERIAN deleted the inaccurate account ( XXXX ) and on the same day ( less than 24 hours ) reinserted those same account ( XXXX ) without sending me the results of my disputes nor a notice of reinsertion. On XX/XX/XXXX, I sent your company a dispute via the XXXX  to which XXXX XXXX from EXPERIAN Consumer Affairs Department responded on XX/XX/XXXX indicating that your company has not previously received my notice of disputes which is a misrepresentation of material facts and willful noncompliance, which is a violation of 15 U.S.C. 1681 ( n ). 
On XX/XX/XXXX I sent notice of dispute to XXXX XXXX that I disagree with the results of the reinvestigation and to provide me with the METHOD OF VERIFICATION for the erroneous accounts which was also previously requested on XX/XX/XXXX from your company sent via USPS Certified mail. Both requests for the METHOD OF VERIFICATION sent to your company on XX/XX/XXXX and XX/XX/XXXX have been completely ignored. Again, I sent notice of dispute on XX/XX/XXXX and XX/XX/XXXX which have not been properly addressed. The few responses I have received from your company have been computer generated responses and have not addressed every issue in my disputes. In all my disputes with EXPERIAN I have sent Sworn Affidavits of Truth which have not been rebutted, XXXX  complaints, FTC Reports and Police Reports and all supporting documentation that PROVE the account ( XXXX ) reporting are inaccurate. EXPERIAN continues to ignore the pertinent evidence I have provided and has repeatedly ignored my request to be provided with documented proof and the Method of Verification they used to " verify '' the account ( XXXX ). I am seriously concerned about the VALIDITY and ACCURACY of your " reinvestigations '' and I dispute the VALIDITY and ACCURACY of my most recent dispute sent on XX/XX/XXXX. On XX/XX/XXXX, I sent a notice of dispute to EXPERIAN via USPS Certified Mail to which I received a response from XXXX XXXX XXXX from EXPERIAN Consumer Affairs Department denying any violations committed under the FCRA and a template response stating you are currently reinvestigating the disputed information and will send me the results within 30 days. In this instance, you have not only committed violations under the FCRA once but THREE times ; ( XXXX ) by responding to my XX/XX/XXXX dispute on XX/XX/XXXX which is greater than the 30 days your company is allowed ; ( XXXX ) by not sending me the results of your reinvestigation as of XX/XX/XXXX, which is also greater than 30 days from your previous response on XX/XX/XXXX ; ( XXXX ) by not providing me with the detailed and documented Method of Verification you used to " verify '' the account ( XXXX ) in question that I requested in my notice of dispute. Since you have not properly fulfilled my request in the time frame allotted to you, you are now required to delete the account ( XXXX ) in question. 
Furthermore, this notice is about the inaccuracy that is inequitably furnished by your company on my consumer report. Due to these inaccuracies, my right to extend credit has been damaged to the greatest extent. As a result, I was discriminated against and refused the following : - Credit Cards - Personal Loans - Mortgage Loans- Auto Loans Pursuant to 15 U.S.C. 1681 ( a ) ( 3 ), Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your company ON NOTICE and Id like to inform you that I never gave consent to this report being furnished by you on my behalf and Im also aware of the fact that your company has assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states there is anything that needs to be reported to a Consumer Reporting Agency. Therefore, your company is liable.

Additionally, pursuant to 15 U.S.C. 1681 ( a ) ( 4 ), a Consumer Reporting Agencies must exercise their grave responsibilities with fairness, impartiality and a respect for the CONSUMERS RIGHT TO PRIVACY. Your company neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. 
I request you to provide me with a documented piece of evidence that the information which is currently reporting has been procedurally and properly investigated. In addition, provide me with the details of the system adopted by your company to determine whether the transaction took place or not. 
Furthermore, pursuant to 15 U.S.C. 1681 ( a ) ( b ) your company did not adopt such procedures that meet the need of commerce for Consumer Credit. As a result, I demand the following : Deletion of accounts : XXXX XXXX XXXX / Amount : {$1000.00} XXXX XXXX XXXX / Amount : {$8000.00} Enclosures : Copy of FTC Report : XXXX Copy of Police Report : XXXX Copies of Previous Disputes Copies of Deletions Copies of Adverse Action Notices Thank you in advance for your cooperation. 

Please Note : There is no unauthorized third party involved in this correspondence. The notary public is being utilized only as a means to verify my Identity. I am sending this notice on behalf of myself, XXXX XXXX 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