Consumer complaint received 2023-01-21
Company: Experian Information Solutions Inc.
State: MI
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 am making a complaint against Experian, XXXX, and XXXX. These companies are reporting false information on my credit report and those accounts need to be removed NOW. I sent a letter to all three credit bureaus with proof that they are reporting incorrect accounts on my report. They have not done a thorough investigation! While reviewing my report I am still seeing this FALSE information being reported. I've attached a letter from the Bankruptcy Court advising that they do not share information regarding Bankruptcy and XXXX XXXX is not reporting a Bankruptcy! So how is this information accurate? Your companies is illegally breaching consumers information! DELETE these accounts now as they are not accurate nor verified! 

+In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected has consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX 
Account number:XXXX  Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number:XXXX  Account name : XXXXXXXX XXXX XXXXXXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name XXXX XXXX XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  Account name : XXXXXXXX XXXX XXXX  Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX  Account name : XXXX XXXX Account number:XXXX  Account name : XXXX XXXX XXXX XXXX Account number:XXXX 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Are you familiar with the 15 U.S.C Sec. 1681i ( a )? Ive learned that if you cant provide proof, these accounts must be deleted.

They also violated my rights numerous times!

The credit bureaus violated my given rights under 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigate 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 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 consumer 's 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.

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