Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
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:
THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY or CREDIT REPAIR COMPANY. 
DEAR EXPERIAN, Consider the Laws you're breaking according to the Fair Credit Reporting Act! I have disputed these items because there are multiple errors on my report. 
If you do not delete these accounts below I will be forced to contact the XXXX, the Federal Trade Commission, and File a Lawsuit! 

I just received my investigation results. Report # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. Also you claim that these accounts below are verified and you did a thorough investigation but how is that possible when the " Date Opened is inaccurate, Two Year History is inaccurate, the Date Of Last Activity is inaccurate, and the Date Reported is inaccurate? This is GROUNDS FOR REMOVAL OF THESE ACCOUNTS. I'm uploading a updated copy of my credit file as of XX/XX/2022 also the investigation took longer than 30 days. 
One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 a
cquainted 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 a
gency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 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 a account without my written instructions.
DELETE THESE ACCOUNTS FROM MY CREDIT FILE 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 a account without my written instructions. 15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

1. Account Name : USDOEXXXX Account # XXXX 2. Account Name : XXXX XXXX XXXX Account # XXXX 3. Account Name : XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation