Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: CA
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 mailed a certified letter to Experian on XXXX. Experian stated that my account was properly investigated. It was not. 

Experian Violated : 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

Experian Violated : U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
A financial institution may not disclose non public personal information to a non affiliated 3rd party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Ive never been given the opportunity to uphold my rights for B and C listed above which is a violation by Experian. 

Experian Violated : 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Ive provided a formal notice to Experian under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, The Consumer Reporting Reform Act of 1996, to Cease and Desist their continued violations of the Fair Credit Reporting Act. Ive provided formal notice that I will be seeking {$1000.00} per violation.

I read the XXXX XXXX XXXX Experian credit consumer report from XXXX Experian has all of these items listed below inaccurately reported on my Experian Credit Report. These all listed below are violations of XXXX XXXX. XXXX. & XXXX Definitions ; rules of construction are being violated by Experian. 

Violation 1. I wrote in the certified letter to Experian to delete addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Address ID : XXXX. Delete immediately. 

Violation 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Address ID : XXXX Both 1 & 2are still listed as inaccurate addresses and a violation of FCRA. Experian needs to delete immediately. 


Violation 3. I stated in the certified letter I needed them to delete the two inaccurate, wrong listings of the last four of my social security number. Experian has not deleted them. They are still listed as : XXXX and XXXX. My actual last four are : XXXX. Having a section titled Social Security Number Variations and listing several different numbers all of which were incorrect is a violation of the Fair Credit Reporting Act. The title for this section : Social Security Number Variations is a direct violation meaning it shows intent to show inaccurate information deliberately on the part of Experian. Everyone knows each consumer has only one social security number, so for Experian to actually have a section that says Social Security Number Variations is a slap in the face of all consumers. Delete within 5 days. This is inaccurate. 



Violation 4. All XXXX XXXX inquiries should be deleted from my Experian report within 5 days. Experian did not do their due diligence to insure the information they were receiving from XXXX XXXX was accurate. The XXXX XXXX information is inaccurate. Ive communicated in writing via email, U.S.Postal service and by telephone to XXXX XXXX that they do not have my permission to share my data w/ Experian. I have opted out and put a freeze on my XXXX XXXX account. All the dates that XXXX XXXX shared with Experian are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.This is inaccurate.

Violation 5. Experian is in direct violation of 15 USC 1681 ( a ) ( b ). And also 15 USC 1692 ( C ) ( a ) Experian is not respecting my privacy this is private information that I did not want shared. I specifically wrote to XXXX explaining I did not want this student loan information shared with anyone since it is paid and settled. This loan information should not be showing on my consumer report due to me coming to an arrangement with XXXX and making it clear this information should not be shared. Experian made the mistake of only checking with the Department of Education. Experian should have also checked with XXXX since they took over responsibility for loan servicing. There is private personal information about my life tied to these that I dont feel comfortable sharing with Experian. They need to immediately delete XXXX Student loans they have listed. 
They should not have listed Dept of EDXXXX XXXX Balance XXXX Status Paid and closed. First of all the date opened is inaccurate XX/XX/XXXX. Delete Immediately. 

They should not have listed Dept of EDXXXX XXXX Balance XXXX paid and closed. The date is innaccurate XX/XX/XXXX. Delete immediately. 

Violation 6. Experian is in violation in everything listed below of 603 Definitions and rules of construction of the FCRA specifically ( 2 ) Exclusions. The term consumer report does not include ( A ) Any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report.

Experian Placed their own inquiries on my report that need to be deleted many are listed below. The inquiry dates are also inaccurate. Then say on XX/XX/XXXX Experian from address : XXXX XXXX XXXX, XXXX XXXX Ca XXXX phone number : XXXX inquired. This is a violation. Delete this immediately. This is inaccurate. 




Violation 7. Experian inquired on XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX, Ca XXXX. This needs to be deleted within 5 business days. This is inaccurate.

Violation 8. Experian inquired on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX TX XXXX phone XXXX XXXX XXXX. This needs to be deleted within 5 business days. This is inaccurate.

Violation 9. Experian Inquired on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX, Ca XXXXThis needs to be deleted within 5 business days. This is inaccurate.

Violation 10. Experian Inquired onXXXX & XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX Ca 92626.This needs to be deleted within 5 business days. This is inaccurate.

Violation 11. Experian Inquired on XX/XX/XXXX & XX/XX/XXXX address : XXXX XXXX XXXXXXXX XXXX, Tx XXXX. Phone XXXX XXXX XXXX This needs to be deleted within 5 business days. This is inaccurate.

Violation 12. Experian inquired on XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX, Ca XXXX. 
Phone XXXX XXXX XXXX. This inquiry pops up several times w/ the same date using different address. This needs to be deleted within 5 business days. This is inaccurate.

Violation 13 Experian XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. This needs to be deleted within 5 business days. This is inaccurate.

Violation 14 XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. This needs to be deleted within 5 business days. This is inaccurate.

Violation 15. I called and spoke to XXXX a member of team XXXX  on XX/XX/XXXX. I explained to him that I was not able to dispute items after trying to dispute seven times and having the website fail seven times while in the appropriate area to dispute. He told me he would not be able to help and hung up. Ive called Experian multiple times and always get the same exact customer service response, a hangup. The operator will act as if they cant hear me even though I have all bars active on my phone.

Violation 16. Experian has XXXX XXXX XXXXXXXX listed on the report as date opened as XX/XX/XXXX with a XXXX balance. They have this listed as open and never late. Ive never had a loan, mortgage, car loan, credit, or any type of financial relationship with XXXX XXXX XXXX aside from having a checking account. The date opened of XX/XX/XXXX is incorrect. They have to delete this due to inaccuracy of their reporting and inaccuracy of the their data collection. Ive made it clear to XXXX XXXX XXXXXXXX that they are not to report that I have a checking account to any bureau. Experian needs to explain what or why they have XXXX XXXX XXXX listed on my credit report and what specifically was opened on the inaccurate date of : XX/XX/XXXX for XXXX XXXX XXXXXXXX? I never received a disclosure from Experian in regards to this listing. They have an obligation to report specifically what this information is in regards to yet they dont. Delete immediately. 

Violation 17. XXXX date XXXX XX/XX/XXXX XXXX Experian delete this within 5 days. Ive never had and dont have a financial relationship w/ XXXX. They had my name from an event I visited while in XXXX. I never signed up. I sent them certified letters explaining to them the law. And they have sent me back information in writing confirming Im not affiliated with them in any way. Experian is in violation for listing this. Not only that, but they do not have complete information of the company. There is no company address, phone number, or contact person. Experian has listed an inaccurate date opened of XX/XX/XXXX. I fully dispute this as inaccurate information that Experian has listed on my consumer report and this is in violation of FCRA. Ive never had any accounts with this company. 

Violation 18. Experian listed XXXX XXXX Inquiry on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX. It doesnt have the complete name of the Bank or the specific address of the brick and business. They inquire date is inaccurate. Delete this in 5 business days. This is inaccurate. I never gave permission to report this to anyone.

Violation 19. Experian listed an incorrect XXXX address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX inquired on XX/XX/XXXX. This is an inaccurate inquiry date. Delete this off of my consumer Credit report. It is in violation. Delete with in 5 days. I never gave permission to report this to anyone. 



Violation 20. Experian listed an incorrect XXXX XXXX XXXX XXXX inquiry that supposedly occurred on XX/XX/XXXX address : XXXX XXXX XXXX, XXXX XXXX Ca XXXX. No phone number listed. This inquiry date is inaccurate. Ive never had a relationship with XXXX XXXX XXXX XXXX. Delete this in 5 business days. I never gave permission to report this to anyone.

Violation 21 Experian listed an incorrect XXXX XXXX XXXX XXXX inquiry that supposedly occurred on XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX, Ca XXXX. XXXX XXXX. Experian has an innacurrate inquiry date listed for this. I dont have a relationship w/ XXXX XXXX XXXX XXXX to the best of my knowledge. I do not have an account with XXXX XXXX XXXX XXXX. Delete with in 5 days. This is inaccurate. I never gave permission to report this to anyone. 




Violation 22. Experian has a hard inquiry listed on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX XXXX I have never requested a credit card from XXXX XXXX. I dont where cowboy boots or western style clothes. This is inaccurate information on my consumer credit report. Delete with in 5 days. This is inaccurate.I never gave permission to report this to anyone. 



Violation 23 Experian has listed a XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Hard Inquiry . XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX VA XXXX. This is inaccurate. I have never been in a XXXX XXXX XXXX store I cant afford it. Delete this in 5 days. I never gave permission to report this to anyone. 



Violation 24. I clicked on the dispute tab while in the credit report of Experian. It says complete and review then below that it says select a reason you want to dispute. Experian gives a drop down menu to select one. Experian never allows you to actually select one. It grays out the screen and the blue XXXX appears and those colorful squares circle around the XXXX and it never allows you to choose. I have tried to do this on 6 different occasions and waited over 20 minutes on each occasion and was never allowed to dispute.

Violation 25. Experian listing something as potentially negative is a violation of the Fair Credit Reporting Act. Something is either negative or not negative. It is a violation to report something as potentially negative. Experian is not allowed to to make predictions or to speculate. Delete everything that you have listed as potentially negative. 

Violation 26. I would like to request a Debt Validation under 12 CFR 1006.346 for the XXXX XXXX Credit card with the last four digits of XXXX. Experian has listed this debt on my consumer credit report. They say it has a utilization rate of 101 %. I would like to have an explanation as to why they violated my rights and listed this with out doing a complete debt validation to make sure this is 100 % accurate. They also listed this as potentially negative. That is a violation. Something cant be potentially negative if it has XXXX late payments. Experian needs to keep in mind : U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I dont want this information from XXXX XXXX with the last four of XXXX listed on my Consumer credit report from Experian. 

I will be sending out an affidavit of truth and an invoice.

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