Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: MN
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:
Experian violated my consumer rights. I've attempted to dispute the furnishing of the accounts listed below. Experian verified that all accounts listed below have been verified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Though I've attempted to get more information about exactly how the debt was verified, they've refused to provide suitable proof that the accounts belong to me. 
Accounts : XXXX ( XXXX ) amount : {$300.00} opened : XX/XX/XXXX ( disputed XX/XX/2023. Verified as of XX/XX/XXXX and in XX/XX/XXXX by Experian WITHOUT providing requested proof of validation ). My XXXX XXXX ( XXXX ) amount : {$6900.00} opened XX/XX/2023 reporting incorrect information, has not updated it and continues to report incorrectly. Details about my personal transactions and experiences are furnished to credit reporting agencies. 15 USC 1681 a 2 A i states that " transactions and experiences '' are to be excluded from on a consumer report therefore I need this removed. XXXX XXXX XXXX ( XXXX ) opened :XX/XX/2023 ( disputed with all 3 consumer reporting agencies. XXXX is the only bureau that followed the law and deleted the account ). amount : {$1900.00} account listed as a charge off. Includes transactions and experience information, failed to provide me with a 1099-C form. XXXX ( XXXX ) opened : XX/XX/XXXX account was NOT verified though proof was requested. Account deleted from XXXX but not Experian or XXXX. 
Unfamiliar hard inquiries : Company : -Ally : XX/XX/XXXX XXXX Credit XXXX XXXXXX/XX/22-XXXX XXXX XXXX XXXX : XX/XX/22 -XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX : XX/XX/23 15 USC 1681b Permissible pu

rpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written instructions for Experian to provide this information, therefore these listings need to be deleted.

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