Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I requested an investigation and validation of these erroneous accounts that these companies are reporting on me. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
Experian stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

It is XX/XX/XXXX and I have yet to receive a response from XXXX and XXXX. By law they are required to respond within 30 days of receiving my dispute. And as you can see in the pictures I sent my letters via certified mail on XX/XX/XXXX! 

As you can in the attachments that XXXX is reporting the same account from two different collection companies. How can I owe two companies for the same account? How is that possible? This is an error and these accounts must removed. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.3.C 1681 Secton 604 A Secton 2 : in also states a Consumer reporting agency can not furish a account without my written instructions 15 U.S.C 1881. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the Items of information or Any other adverse item of information other than records of convictions of crimes which antedates the report by more than

seven years. 15 U.S.C. 1681s-2 XXXX XXXX XXXX A perso
n shall not furnish any information relating to a consumer to any consumer reporting agency This company stated these accounts were verified as certified by the company reporting it. According to the FCRA that is NOT a legal form of validation. As you can see it was one
account XXXX XXXX  was removed from TransUnion because it is inaccurate. Ive never ever had a signed contract with XXXX XXXX for any type of consumer account. Ive yet to receive any signed contracts from any of these companies that are reporting this information. I want these false accusations and accounts to removed from my report. I did not give any company to report this false information on me. 


This company is also reporting that in XX/XX/XXXX my account with XXXX XXXX XXXX is current. However in XX/XX/XXXX This company has me reporting as 90 days past due. How is that even possible when there is not even 90 days between XXXX and XXXX? 

It is illegal for this company XXXX XXXX  to randomly and inconsistently report this erroneous account as a XXXX and this credit bureau report it to my report. This is ILLEGAL! This information is false and reporting inaccurately and needs to be removed. 

All documents are attached

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