Consumer complaint received 2022-12-15
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
I am a natural person who has rights as a consumer. I have been going back and forth with Experian for years trying to remove inaccurate items reporting on my consumers report. Not only are these item inaccurate but they were place on my credit report with out my consent. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. There for it must be removed. Experian stated that thing were accurate before and I sent in proof that it was not. There for this company is not trustworthy. Instead of removing what they felt were inaccurate they updated. Please show me in the law where it states to update. According to 15 usc 1681a ( 5 ) I if items are not accurate it shall be deleted. I also would like for this company to show proof that they completed and accurate the investigation according to Law. What family member, neighbor, or associates they have reached out to on my behalf. It is not a complete or accurate investigation of this company only reached out to the company because that is bias. According 15 usc 1681a ii ( a ) I A consumers report does not included any transaction or experience with consumer ( me ) and person ( corporate ) asking report, which mean the items being disputed should not be on my consumers report at all. According to 15 USC 1681a ( 2 ) a ( i ) So far this company has violated several of my rights as a consumer, deformation of my character, and helping companies that has committed fraud using my credit card. I want this items removed now or I will take legal action. 
Account that should be removed is : Hard inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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