Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: GA
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 recently received the results via the CFPB portal, and Experian has stated in writing that they have " verified '' that the following disputed items belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided feedback on this by the way. However, Experian did not address ANY of my concerns or violations that I brought to their attention, which were 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681 ; 15 U.S. Code 1681 ( 2 ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. I am not confident that an actual investigation took place. I have reason to believe that Experian used E-Oscar, which I never consented to! Experian has not altered or changed anything on my report, nor was I mailed a copy of my latest report once their alleged investigation was complete. Experian never addressed that they have previously received more than one of my disputes, via certified mail, and have never responded to me. They did not follow the rules and procedures upon receiving a dispute by a consumer, which is obviously a violation of 15 U.S. Code 1681i. That by itself is grounds for deleting the disputed information! I have made you aware of this before, WHY ARE YOU STILL REPORTING THIS INFORMATION?!! Furthermore, the disputed items, which I have good reason to believe to be inaccurate, was never blocked from reporting upon Experian receiving my dispute, -which is a violation of 15 U.S. Code 1681s2. Experian also never addressed that the following financial institutions never provided me with clear and conspicuous notice, informing me that I have the right to opt out of reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was never given disclosure or a choice and this is a clear violation of 15 U.S. Code 6802. Experian also never addressed that my right to privacy is being violated, and that my private, nonpublic information is being shared to nonaffiliated third parties such Experian, and others. These are violations of 15 U.S. Code 6801 and 15 U.S. Code 6802. No consent means identity theft, and NONE of the items previously disputed as identity theft were blocked within four days according to 15 U.S. Code 1681c2 ( a ). I even filed an identity theft affidavit and FTC complaint, and these financial institutions STILL continued reporting without interruption! Under 15 U.S. Code 1681, Congress sates that 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. Experian is not doing that! I am NOT being treated fairly, and my right to privacy is NOT being respected! And lastly, 15 U.S. Code 1681 ( 2 ) states that transactional information, or experiences, between the consumer and the furnisher are to excluded from consumer reporting. That means that NONE of these items should be reporting! Please delete the disputed information!

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