Consumer complaint received 2022-08-29
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:
My name id XXXX XXXX, a natural person. I have filed this complaint on my belief, based on research. In accordance with the Fair Credit Reporting Act. XXXX accounts # listed below have violated my rights. The parties involved in this violations are as follows : XXXX, EXPERIAN, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

The violations are as follows : 1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from XXXX, XXXX  to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : XXXX, EXPERIAN, XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. 

2. ( FACT ) 15 USC 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting 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.

( FACT ) 15 USC 1681b ( a ) ( 2 ) ( a ) 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.

3. ( FACT ) 15 USC 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

4. ( FACT ) 15 USC 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

5. ( FACT ) 15 USC 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

6. ( FACT ) 15 USC 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

7. ( FACT ) 15 USC 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received. 

8. ( FACT ) 15 USC 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of an court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.

9. ( FACT ) 15 USC 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.

The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and depression created by the continuous certified mailing to all parties involved. The cost of these mailings has an large financial commitment attached to them.

10. ( FACT ) 15 USC 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Affidavit Page 4 of 5 11. ( FACT ) 15 USC 1681 SECTION 602A and 1681 SECTION 604A Right to privacy and furnishing account details, without written instructions.

12. ( FACT ) 15 USC 1692b ( 2 ) Violation of Acquisition of Location. I am not a resident of the state, the debt collector, is established/located.

13. ( FACT ) 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit report ( VIOLATED ) 14. ( FACT ) 15 USC 1692g Validation of debt notice within XXXX days. ( VIOLATED ) 15. ( FACT ) 15 USC 1692f Unfair/unconscionable practices.

16. ( FACT ) 15 USC 1692e False and Misleading representation. ( VIOLATION ) 17. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.

1681 ( a ) ( e ) ( e ) 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.

All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be XXXX percent accurate or be removed. The credit reports differ and has information between all XXXX reports, that are completely different. ( Drastically different ) See attached credit

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