Consumer complaint received 2022-07-21
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:
In XXXX of 2022, I sent letter to XXXX, Experian, and XXXX XXXX. I all three of these major credit reporting agencies and investigative letter asking them to investigate everything on my credit report related to the companies I am reporting today. Those companies included XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  and its Affiliate  XXXX XXXX. This agency violated my rights as a consumer in so many ways and failed to comply with the Fair Credit Reporting Act ( FCRA ). 

Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX and XXXX US DEPARTMENT OF EDUCATIONXXXX Account XXXX : XXXX US DEPARTMENT OF EDUCATIONXXXX Account XXXX XXXX XXXX US DEPARTMENT OF EDUCATIONXXXX Account XXXX XXXX XXXX US DEPARTMENT OF EDUCATIONXXXX Account Number : XXXX The credit bureau never did a proper investigation according to the FCRA to date . I pay for a monthly subscription to monitor my credit report and scores. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers general reputation, personal characteristics, or mode of living is obtained through the personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more in accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate and the date last reported is not accurate also the alleged amounts owed is inaccurate. All these errors, violations and fraudulent entries are grounds for permanent removal. In association with these companies fraudulent reporting statements, my credit score has plummeted and caused me distress, lost of income, credit denials and lost of business opportunities. 


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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer report and agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows our has reasonable cause to believe that the information is in accurate. 

I HAVE UPLOADED THE ALLEGED DEBT AND DISCREPANCIES.

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