Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: CO
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 notified Experian, XXXX, XXXX by XXXX Mail on XX/XX/2022 that I disputed the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX acct Acct XXXX XXXX XXXX and # XXXX And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX XXXX : XXXX. 
Acct # XXXX XX/XX/2022 XXXX sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) XXXX The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well XXXX5 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 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.

15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) 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. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
I never supplied written instructions to furnish Report to anyone

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