Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: CA
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:
Hi there to whom it may concern, This is the last formal complaint I will be filing In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 



I have reached out to Experian, XXXX, and XXXX to re-investigate accounts thoroughly. However, They stated everything was complete and accurate. After looking over my report again no changes have been made and i still see innacurate accounts on my report. i am beginning to wonder how did they look and investigate anything if open dates, last activities dates and much more incorrect informations from all reports are seeming to still be different and inaccurate. I am a real person and I would like to see full proof of items coming back being verified as me being the consumer. 

Section 609 ( a ) ( I ) ( A ), states you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on a credit report. 

For example copy of my actual signature of me signing and copy of photo ID The date and actual copy of me owning these accounts or any collections you guys are reporting on my account. You cant just say you investigating and not provide proof on how you guys came to that resolution. I would like a mailed copy myself and not just a receipt of debt collection this is not proof. Its unfair and has tremendously effected me on the process of becoming a new home owner. This is grounds for a proper investigation and According to 15 USC 1681i ( 5 ) they are suppose to remove any accounts that isnt reporting correctly as-well. Otherwise anyone can claim paying for your reporting services can mail, fax or email fraudulent accounts with you credit bureaus. 

I have highlighted the same accounts they said they investigated. How was this investigated if nothing has changed and you can still see discrepancies such as collection accounts showing as open and reporting missed payments? grounds for removal by law! please delete and remove or i will file a suit with all the evidence i have of you guys not investigating properly. I know my rights and would appreciate if you guys looked into this matter quickly and properly Delete accounts unless you want to be held {$1000.00} per violation I have highlighted all errors. 

Also they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case as i have kept everything from updates reports from prior months. You have 14 days to get back to me or i will file a suit on this matter. 


XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX SERVICE Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX  Account Number : XXXX THE XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX. 

Thanks very much!

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