Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, I sent a letter to XXXX, Experian, and XXXX asking them to investigate my credit report. The Credit Bureaus never did a proper investigation according to the Fair Credit Reporting Act. I told them to investigate everything on my credit report and make sure everything was 100 percent accurate and complete.

15 USC 1681 section 603 ( 3 ) ( E ) states ; 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. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate and complete on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if multiple fields including the payment history are inaccurate or incomplete. This includes multiple other errors highlighted in the attached spreadsheet documents of each account. These spreadsheets show the accounts with inaccurate or incomplete information. The information is directly off of my credit report on XX/XX/XXXX before I sent out the letters and right after I received the investigation results, when I pulled my updated credit report on XX/XX/XXXX. 

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( line of credit ) : XXXX XXXX ( note loan ) : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These violations are grounds for removal. 

They also violated the law because according to : 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 an account without my written instruction. I did not give anyone written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 or incomplete. 

I submitted a complaint with the CFPB regarding this issue on XX/XX/XXXX and it was never even looked at by Experian because they stated I did not supply them with my full social security number. The CFPB website directly states to not include full social security numbers. They have been completely negligent and have total disregard for my federally protected consumer rights which have caused me financial damages. I AM ATTACHING A COPY OF MY SOCIAL SECURITY CARD AND PROOF OF ADDRESS THIS TIME IN THE ATTACHMENT SECTION. ALSO, PLEASE LOOK IN THE ATTACHMENT SECTION FOR THE DETAILED ERRORS ON MY CREDIT REPORT WHICH ARE HIGHLIGHTED IN THE SEPARATE SPREADSHEETS CORRESPONDING TO EACH SPECIFIC ACCOUNT.

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