Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
I am XXXX XXXX, And I am submitting this complaint against Experian and there is no Third Party involved. Experian Information Services Inc doing business as Experian located in XXXX, TX. Experian previously been made aware about the numerous inaccuracies on my consumer report and has failed to properly investigate this matter in which I have been disputing for months additionally they failed to provide a report of integrity and accuracy. In my most recently attempt to demand physical verification for verified the accounts for the mailing with notice dated XXXX XXXX ( EXHIBIT B ). This request for method of verification was received by Experian via XXXX mail On XX/XX/2022 ( EXHIBIT XXXX XXXX ) you will find the response from EXPERIAN dated pertaining to file number XXXX claimed to have verified these accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear Experian is being very negligent and non compliant in the investigation of this matter. Experian clearly could have not properly investigated the accounts. I Have conducted my own investigation and research reviewed my consumer report in the attached exhibits I was very upset to have found NUMEROUS account which lack accuracy and integrity as described in Regulation V. There remains a substantial amount of inaccuracies still on my consumer report which are the direct reason I have been facing adverse actions when I have been applying for credit or services for my personal or family household use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaccurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate closing dates and on some accounts multiple inaccuracies per account reporting by EXPERIAN. ( EXHIBIT C ). Additionally update my correct address to the one provided on my ID in the included exhibit you have multiple incorrect addresses the one provided on my ID is my Only Address. 
In the provided most recent copy of my consumer report ( Exhibit D ) There are numerous fraudulent inquiries that I I have identified along with my reasons stating why I Demand them to be deleted. Pursuant 12 CFR 1022.41 ( a ) the inaccuracies and integrity of the accounts pursuant 12 CFR 1022.41 ( d ) I'm am challenging the accuracy and integrity of the reporting and your assumed role. These are violations of the FCRA being committed by Experian. YOU DO NOT HAVE MY CONSENT TO FURNISH THIS INFORMATION. YOU ARE INVADING MY PRIVACY. THEREFORE I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) ENVOKE MY WRITTEN INSTRUCTIONS ( EXHIBITS PROVIDED ) DEMAND EXPERIAN TO REMOVE ALL OF THE FOLLOWING INACCURATE ACCOUNTS IN THE EXHIBIT ( EXHIBIT C ) PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS. EXPERIAN IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE I ASSUMED. EXPERIAN IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00}. THESE INACCURACIES AND REPORTS THAT LACK INTEGRITY HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS DUE TO THE INACCURACIES FRAUDULENT INQUIRIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, OR ANY CREDIT I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE. I EXPECT THESE ACCOUNTS RE INVESTIGATED AND REMOVED IMMEDIATELY AND FOR THIS MATTER BE RESOLVED EXPEDITIOUSLY. THIS COMPLAINT SHALL SERVE AS YOUR NOTICE OF WILLFUL NON COMPLIANCE AND A DEMAND TO COMPLY SHALL YOU CONTINUE YOUR NON COMPLIANCE.

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