Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The Fair Credit Reporting Act requires " ... 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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 '' et al. Alll threeprimary Credit reporting Bureaus are vioolating the FCRA. I was mandantory evacuated from Florida for Hurricane Maria by order of the Governor of Florida. In XXXX/XX/XX/2018 I was mandantory evacuated for Hurricane Michael. In both instances I lost all of my personal property and lost contracts ( income ) as a result. Then the President " shutdown the US Government '' impacting my income for a period of two months. These issues need to be mitigated in my Credit Report and all citizens with similar circumstances. In the Hurricane evacuations, at least XXXX XXXX people were impacted. I asked all of my credit reporting bureaus to updae my credit with a " personal Statement '' in my credit file reflecting these issues. The information was not properly reflected as requested. All Bureaus need to provide a mechanism for this information to be entered " DIRECTLY '' from the citizen and not to beinterpreted by some clerk. Second, none of my credit reports from the 3 agencies is reporting the same score! Third, Companies are using scores from other Credit Reporting Services other than the 3 major reporting Bureaus ( Experian, XXXX, XXXX ). This practice is illegal. Fourth, Citizens trying to acquire living area for rental ( houses, Apartment and Condos ) are being asked to pay as much as $ XXXX for credit checks, background checks and other checks prior to approval by tehse rental companies, then keeping the " application fees ''. Fifth, My credit rating was impacted as I applied for numerous apartments becasue nobody would approve me until the " application process '' was completed. Note : These are called " HARD HITS '' and reduced my credit rating. Only one of these HAD HITS resulted in financial obligation! This is illegal and discrriminatory under Feederal Law. 
Sixth, I have a lease vehcile and my Lease Vehicle with XXXX XXXX says I have he option of purchasing the vehicle at end of the lease. XXXX is refusing to fonacne the purchase of the vehicle, this is a " bait and switch '' practice that violated Federal Law. XXXX sent me an email saying I had {$29000.00} Credit available but when I tried to " execute this option '' I was told by GMFINANCIAL that they would not approve the loan. Seventh, Apartment leasing Companies are using other companies to screen citizens in volation of Federal law that is being used to discrimate people based on XXXX, race and other issues in violation of Federal Law. These networks put in such comments as " rentor is a complainer '', etc ... The use of Credit reporting companies that are not approved and the fact that they use credit reporting agencuies but then dont report rental payments on time is illegal. They use reports but sone contribute information.

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