Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: TX
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 just received my investigation results. Experian report and saw some accounts were verified. However, I have a few questions : How did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal.

One more thing, I was reading the FCRA and noticed you VIOLATED these laws along with my rights as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) State ; 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 other 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 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.

15 USC 1 [ 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681 ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1. Account Name : XXXX, XXXX. 

Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation.

2. Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 



3. Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
4. Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
5. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

7. Account Name : XXXX  XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation.

8. Account Name : XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation.

9. Account Name : XXXX XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

10. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

11. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
12. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

13. Account Name : XXXX XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

14. Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

15. Account Name : XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

16. Account Name : XXXX XXXX  Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation. 

17. Account Name : XXXXXXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 



Delete this account immediately unless you want to be held liable for {$1000.00} per violation.

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