Consumer complaint received 2023-03-21
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 have raised these concerns with all three major bureaus and they have failed to perform a proper investigation to verify what they are reporting and send original physical copies for the accounts. They know that since COVID laws that allowed so many companies to write off debt and get relief that these companies have been violating consumers rights and reporting false information to get tax breaks and write offs. I have had repeated issues with creditors reporting information to credit agencies without getting written consent from me as required by law. The credit bureaus keep reporting the false information supplied by the creditors as verification with out performing a legitimate investigation and providing original signed documents by me and the creditor. They also are not able to provide any written and signed request from the creditors to me asking me for permission to report any details of any account I may have. Saying something is verified without providing original written evidence is not acceptable nor credit fair reporting. This is a violation of Federal privacy and FCRA law. Please compel them to perform a proper investigation into these inaccuracies and delete the offending information from my reports or pay me the 1,000 violation penalty per each occurrence. 


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

XXXX # XXXX, 5 Late Payments, has violated my rights. 
XXXX XXXX XXXX # XXXX, 1 Late Payment, has violated my rights. 
XXXX XXXXXXXX XXXX XXXX # XXXX, 4 Late Payments, has violated my rights. 
XXXX XXXX # XXXX, 2  Late Payments, has violated my rights. 
XXXX XXXX XXXX XXXX, 5 Late Payments, has violated my rights. 
XXXX  XXXX, 2 Late Payments, has violated my rights. 
XXXX XXXX XXXX, XXXX, 10 Late Payments, XXXX owed, has violated my rights. 
XXXX XXXX  XXXX, 5 Late Payments, XXXX to XXXX balance, has violated my rights. 
XXXX XXXX XXXX, XXXX, 6 Late Payments, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have never given any company such instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX Section 8 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 USC 1681i XXXX XXXX XXXXXXXX ( a ) Re-investigations of disputed information ( 1 ) Re-investigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
5 USC 552 a XXXX XXXX XXXXXXXX ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be 15 USC 6801 b XXXX XXXX XXXX ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

Case law cited below ; Discover Bank vs Shimer, 36 Misc 3d 1214 ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt are it received the tax benefit of the charge off These CRAs seem to take pleasure is maintaining inaccurate reports to damage my score and limit my fair access to credit in open violation to federal law! They are literally fighting to remain inaccurate by reporting the disputed accounts as accurate using the alleged creditor or third party source that does not have my permission for any of what they are reporting and they are not able to even provide actual evidence of an investigation for them to be reporting to the CFPB that they have completed one in accordance with the laws. Their persistence to maintain inaccurate reports and to accept the word of these reporting entities without any original documentation is destroyed my credit profile and is causing severe hardship in a time of need when I need access to credit to fight a health issue I am facing. Instead of compassion, they are working to destroy my access. 

See attached for evidence of inaccuracies.

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