Consumer complaint received 2022-11-11
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX, I filed a CFPB complaints against Experian concerning the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX. In this complaint I made Experian aware of several FCRA violations and requested that the XXXX accounts be DELETED due to these violations. I also requested that Experian provide the legally required proof they used to verify these XXXX accounts. Experian had 15 days to produce said proof and they failed to do so. Therefore Experian is in violation of the FCRA Section 611 ( a ) ( 6 ) ( B ( iii ) and section 611 ( A ) ( 7 ). Due to these FCRA violations the two accounts must be DELETED from Experian consumer report immediately. 

In Experians response dated XXXX, to my CFPB complaint Experian blatantly admitted that they violated the FCRA by engaging in PARROTING. PARROTING is the practice of blindly adopting the response of a data furnisher without conducting any independent investigation. Experian only conducted a XXXX XXXX investigation. Both of these actions by Experian are FCRA violations Experian was required to conduct their own independent investigations of my consumer disputes. Due to these FCRA violations the two accounts must be DELETED from Experian consumer report immediately. 

Experian is also in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. 

Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy.

Pursuant 15 U.S.C. 1681e ( b ) requires that EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. 
Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian has damaged my character, reputation, and credit worthiness. 
Experian is also in violation of a CFPB Supervisory Order. 
Experian is also violating my right to privacy Pursuant to the FCRA 15 U.S. Code 1681, 602 ( a ). Experian has also violated my rights Pursuant 15 to U.S. Code 1681, 604 ( a ) ( 2 ) states that a CRA can not publish or furnish an account without my written permission. 
Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information.

Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.

Due to the above listed FCRA violations I demand that the two accounts be DELETED from Experian consumer report immediately.

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