Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: NV
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 most recently got a copy my updated credit report and my current credit report has a listing and or listings in which are being reported INCORECTLY. I am a citizen but more importantly I am a consumer with laws to protect me! You guys are in DIRECT VIOLATION under the FCRA & the FDCBA.

15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.My request to the Credit Burea My request to the Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately Your company by law needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report along with my authorization of release bearing my signature. To be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my social security number, date of birth, and/or address. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ) 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates I recently recently received a copy of my credit report. You guys stated the accounts VERIFIED. I have the right to an Investigated Consumer Report under 15 U.S. code 1681. Under The Federal Credit Reporting Act you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I have already filed a complaint to the Federal Trade Commission and will follow with a Consumer Financial Protection Bureau claim if you fail to respond within 30 days of receipt of this dispute.The Collection Agency has also caused a telephone to ring and contacted me XXXX  phone threaten me to pay and is Direct Violation.. 15 U.S.C. 1692 Section896 section 5 Causing a tele [ hone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number.15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.I NEED THE CONSUMER INVESTIGATED CONSUMER REPORT. IF YOU CAN NOT PROVIDE THAT BY LAW YOU MUST DELETE & BLOCK ALL ACCOUNTS REPORTING NEGATIVELY.IF YOU DO NOT POVIDE ME WITH THAT I WILLL GET A CONSUMER LAW LAWYER AND SUE UNDER ALL THE LAWS THAT WERE BROKEN AND VIOLATED Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/2022

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 non-monetary relief