Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
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 have previously disputes this matter several times since XXXX of XXXX. I have received stall letters that they do not believe the disputes were sent by me. Attached you will find all letters that Ive sent to each credit reporting agency for their violations. Every time I review my credit report it is saturated with inaccurate misleading information that has yet to be validated or whose method of verification is yet to be provided. I provided my only accurate address and I want my disputes sent to the same address, which will also be provided within this complaint. The following accounts have multiple FCRA VIOLATIONS that are subjected to a fine of XXXX $ each and I am prepared to seek litigation for the pain and suffering that this inaccurate misleading information has cause me. The reporting of the accounts listed below has violated FCRA section 607 which requires that only accurate information be reported into a consumer 's credit report. 
On XXXX XXXX i received a notice from XXXX stating that they reinserted alleged debt account onto my consumer credit report without verifying and providing proof of validation. In the letter it also stated that the creditor information was listed above with contact information nothing is listed. Ive attached the letters, my responses to the XXXX asking for verification and demanding the account be deleted due to violationing my rights Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy, Also XXXX have also violated 15 USC 1681 ( A ) ( 4 ) because they DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave them and decided to do things your way by bullying me and forcing me to accept what you deem verified .During XXXX investigation period, They DID NOT REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED and 15 USC 1681C ( D ) ( 2 ) INACCURATE KEY FACTOR INFORMATION. Ive sent another letter requesting they send me proof of debt, proof of original documents! I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. 
I have a list of demands that need to be met in a timely manner and none of the three credit reporting agencies have sent any proof but just letters stating the accounts is verified. On XXXX XXXX I've sent XXXX XXXX solutions a letter stating i received my consumer report and that they were reporting inaccurate information and inquires on the profile that was connected to identity theft. I've submitted a copy of my identification, utility bill with accurate address, Ftc report and social security card all as forms of identification. This is also a violation FCRA ACT 15 USC 1681 ( A ) ( 4 ) MY RIGHT TO PRIVACY. NOT GRANTING ME MY RIGHTS IS A DIRECT VIOLATION OF 15 USC 1681 AND ALL ITS SUBSECTIONS! On XXXX XXXX i requested EXPERIAN, XXXX, AND XXXX please delete all LATE PAYMENTS on XXXX XXXX  account, XXXX XXXX, XXXX  XXXX XXXX. Under 15 USC 168b permissible purpose of consumer reports in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstances and no other ( 2 ) in accordance with the written instructions of a consumer to whom it releases. I NEVER GAVE THEM WRITTEN INSTRUCTIONS TO FURNISH TTHIS ON MY CREDIT REPORT.

Furthermore the FCRA ACT 15 USC 1681 ( 2 ) ( A ) ( I ) EXCLUSONS FROM A CONSUMER CREDIT REPORT STATES : except as provided in paragraph 3 the term " consumer report '' does not exclude.

( A ) i ; reporting containing solely as a transaction or experiences between the consumer and the person making the report, PLEASE DELETE ALL LATE PAYMENTS FROM MY CONSUMER REPORT! ALL VIOALTIONS ARE XXXX $ DEFRAMAMTION OF CHARACTER, NEGLIEGENT ENABLEMENT OF IDENTITY FRAUD, FAIR DEBT COLLECTIONS PRATICES, FAIR CREDIT REPORTING ACT 15USC 1692 VIOLATIONS, 1681 VIOLATIONS FOR WILLFUL NON-COMPLIANCE ,616 CIVIL LIABILTY FOR WILLFUL COMPLIANCE. 
ACCOUNTS 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 date reported XXXX INACCURATE INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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