Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is has not taken my disputes seriously. I have continuously contacted them regarding how my rights have been violated and they have broken the law. Instead, they have been sending me responses that they will not investigate my complaints until proof has been sent to them, which I have done. On XX/XX/2022 they received information about my issues along with the proof of what they were reporting. 

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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, which says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action I have never given any written permission to contact me or report to the credit bureaus. I have expressed that each time I have sent disputing information to Experian on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. On XX/XX/2022 I received an email to check their investigation results saying that they will not be investigating anything I send in any longer until they receive without proof. I have continuously sent them proof throughout XXXX of what they need to investigate. You will find the response sent to me from them in the attachments. 

On XX/XX/2022 in Experian 's latest response, they mentioned that they had contacted two furnishers to verify the accuracy. have issues with the reports being furnished without my written consent. There are four furnishers they should have contacted, but only contacted two. Why only two? However, it still did not fix the problem because there are still inaccuracies with their updates. Not only is the information on my report without my written consent, it is also inaccurate and not matching what other bureaus are reporting as well. Experian has claimed to have investigated my issue and has resolved the problem, but the inaccuracies on the report are still the same from previous months before. What investigation is being conducted exactly? Nonetheless, my written consent has not been given to Experian to publish anything on my behalf.

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