Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I DO NOT CONSENT TO e-OSCAR.

I recently asked Experian to validate the late payments from the XXXX account on my consumer report. It has come back updated, and I received a copy of my Experian credit report, and I noticed the late payments are still posted on my credit report : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX has failed to comply with 16 CFR 660.4 and is in clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give XXXX expressed written consent to furnish these late payments on my consumer report. Im trying to figure out how these payments still show 30 days late on my consumer report when EXPERIAN hasnt received anything from XXXX with my expressed written consent because I have never given it. Did I give you written instructions to furnish these late payments on my credit report? The answer is no I did not. By continuing to report this inaccurate information it also leaves EXPRIAN civilly liable as well.

Furthermore, the FAIR CREDIT REPORTING Act 12 CFR 1022 15 USC 1681a ( 2 ) ( a ) ( i ) exclusions from a consumer report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are an transaction and experiences is utilization. Update each late payment as paid on time or ok I have a right to privacy as a federally protected consumer. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy pursuant 15 USC 1681 I spoke with multiple different representatives on XXXX XXXX XXXX whom all said the information was reported accurate from the furnisher.

Experian has a duty to ensure the accuracy of my consumer report. How is it fair and equitable to me, the federally protected consumer, that Experian only used information solely from the furnisher that alleges the late payments I am disputing. Experian is not supposed to rely solely on the information provided by the furnisher. There should be an independent investigation outside of the furnishers provided information. It is clear that has not happened.

Experian, I understand that they have assumed a vital role in assembling information on me as a consumer. But Experian is impeding the banking system because they are not vested in making sure that my credit report is fair and accurate. I have lost confidence in the system as Experian has undermined the public confidence by continuing to violate my privacy and report inaccurate information.

I have not received fair or equitable relief with regards to my consumer report.

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