Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is NOT being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681 ( b ) all of the Credit Reporting Agencies are to adopt fair and equitable manner with regards to confidentiality, accuracy, relevancy and proper use of my consumer report. 

Id like for you to no longer traffic information from any lender to my consumer report because it is valuable with consideration to 18 USC 1028 ( d ) ( 12 ). I did not give permission for my payment history to transported to any company. Form SSA-89 was not used considering the form is only valid for 90 days. No consent equals identity theft according to 15 USC 1681a ( q ) ( 3 ).

Also, under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The identified transactions are not information related to any transaction by me as the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX  # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing a charge-off multiple times according AND the payment history needs to be deleted from my consumer report. 


I have attached a copy of my Drivers License for appropriate proof of my identity. I am also providing a Billing Statement for address verification.

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