Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: TX
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 WILL ATTEMPT ONE MORE TIME THRPUGH THIS METHOD, AS YPU CAN SEE THERE IS MULTIPLE COMPLAINTS THAT ARE JUST IGNORE AND CLOSED I am extremely tired and frustrated with Experian as they continue to ignore and lie about investigating my disputes. 

I sent out a dispute which was receive on XX/XX/2022 A FEW MINUTES LATER MY DIPUTES WHERE CLOSED I received a notification stating my disputes are ready, I log in to experian.com and stated that my disputes were unavailable, I got on the phone and called Experian and they told me my accounts were verified as accurate. 

As I learned my rights I came across a few violations. 

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. XXXX original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX I, XXXX XXXX XXXX never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanded deletion of the following accounts : Last but not least, I am requesting that you delete the following accounts asap due to incorrect reporting I will attach screenshots from credit report that I retrieved from the website : I WILL SUMMIRIZE THE TOTAL DUE FROM EXPERIAN DUE TO VIOLATIONS IS OVER XXXX, I AM NOT ASKING FOR UPDATE I AM ASKING FOR DELETION AND AMOUNT DUE UPON RECEPT OR I WILL GO XXXX AND PERSUE LEGAL ACTION I ASKED THAT MY PERSONAL INFORMATION BE UPDATED TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX THIS AGENCY IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

SINCE ALL I GET FROM YOU IS VERIFICATION OF INFORMATION BEING CORRECT THIS IS MY REPORT RETRIEVED FROM YOUR SITE ON XX/XX/2022 I HAVE NOTED THE VIOLATIONS AND AMOUNT OF MONEY DUE TO ME. YOU CONTINUE TO GET ON HERE AN LIE TIME AFTER TIME PAYMENT HISTORY HAS MULTIPLE VIOLATIONS AND I DID THAT FOR YOU TOO

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