Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Credit Bureaus violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions. Here are my certified mail tracking # XXXX and XXXX. 

I recently received a result from a dispute that was finalized weeks ago. Under FCRA 611 ( a ) referencing an erroneous or inaccurate item ( s ) on the credit report involving some type of transaction that I am not familiar with. I am saddened to learn that they somehow verified these disputed items, stating to leave it on my report. I am absolutely certain that these items that were disputed are incorrect and should be deleted, you have given me no choice but to exercise my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate the accounts in question and disputed. 

XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX - Send complete method of verification XXXX XXXX XXXX XXXX- Send complete method of verification I am readily interested to learn how there investigator arrived at this erroneous conclusion. I demanded to see a complete list of all and any documents along correspondence from each person contacted. I asked them to include all names, addresses, and contact information of employees that they spoke to as part of this investigation including the date and time with phone number given, please. I have enclosed all previous letters that I sent to you previously but are once again enclosed along with this correspondence in order to help you process this request demanded. This verification is critical because my credit report and credit scores are very important and of value to me. I believe it is being unwarrantable, hurtful, and undeserving to a consumer like myself who truly cares about his credit. These unfortunate errors reporting need to be deleted in order for me to be competent and able to maintain great and attain credit. I am in the process of organizing and laying the groundwork for a possible legal case, so I need certain and specific answers related questions I have demanded within this letter based on your information supplied. I expect to receive a response from these 2 companies within 15 days upon receipt of this letter, or you have a choice of deleting this from my credit report as I also expect to see the item permanently deleted from my credit report based on the unreliability of the information furnished. 

The below attachments represent the latest results of disputes from XXXX and Experian. 

Thank you for your prompt attention. I look forward to getting this predicament resolved as soon as possible.

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