Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian has failed on numerous occasion to provide me with proof of verification for XXXX accounts XXXX XXXX as well as XXXX XXXX. I have asked them to provide me with who verified this information, when did they verify this information? How did they come to the conclusion that this information was verified and were the proper steps initiated.

15 U.S code 1681 states my rights as a consumer to a fair and accurate report.

15 U.S code 1681i states that The consumer reporting agency shall promptly provide the person who provided the information in dispute all relevant information. 

I believe my request for this information was disregarded on many occasion and I have a accurate paper trail of neglect from Experian. I have asked the company countless of times to provide me documentation that validates this information. They have never provided any factual documentation. 
Also I asked them to provide a wet black or blue ink signature to prove I am the one who signed and open these accounts. 

EXPERIAN PLEASE PROVIDE ME WITH ALL THE NAMES, DATES, TIME, ACTIONS, VERIFICATION METHOD OF THE XXXX  XXXX XXXX AND XXXX XXXX EMPLOYEES WHO PROVIDED YOU WITH ACCURATE AND VERIFIABLE INFORMATION STATED ON MY ACCOUNT. IF YOU FAIL TO COMPLY THESE ITEMS MUST BE DELETED IMMEDIATELY. 

15 U.S CODE 1681S HIGHLIGHT THE FACT EXPERIAN HAS NOT PROVIDED SUBSTANTIAL INFORMATION TO SUPPORT THEIR CLAIMS AND MUST DELETE ALL DEROGATORY REMARKS UNLESS PROVEN OTHERWISE.

I HAVE TRIED ON MULTIPLE ATTEMPTS TO FIX THIS AFFAIR EXPERIAN ALONG WITH THEIR BUSINESS PARTNERS HAVE VIOLATED MY RIGHTS.

15 U. S CODE 1692D IS ANOTHER VIOLATION I HAVE ENDURED FROM EXPERIAN.

THEY HAVE VIOLATED AND ABUSED ME AS A CONSUMER. MY FINANCIAL REPUTATION HAS BEEN TARNISHED. I AM UNABLE TO AFFORD AND HELP MY FAMILY DURING TIMES OF DIFFICULTY DUE TO MY CREDIT WORTHINESS. ACCORDING TO MY RIGHTS AS A CONSUMER I AM ENTITLED A SIGNIFICANT AMOUNT OF COMPENSATION FOR DAMAGES ( 15 U.S CODE 1692K ) I ALSO RECEIVED A NOTICE FROM EXPERIAN ON THE 19TH OF DECEMBER THAT MY ACCOUNT DISPUTE WAS OPENED. ACCORDING TO 15 U. S CODE 1681i, WHEN A DISPUTE IS OPENED THE ITEMS THAT ARE BEING DISPUTED MUST BE REMOVED FROM THE ACCOUNT DURING THE TIME OF DISPUTE. THE ITEMS NOR REMARKS WAS UPDATED ON MY CREDIT PROFILE AND REFLECTED THE TERMS DELETED AND IN DISPUTE THE PROPER PROCEDURES WERE NOT CONDUCTED.

15 U.S CODE 6802 STATES THAT A FINANCIAL INSTITUTION MAY NOT DISCLOSE NON PUBLIC INFORMATION TO A NON AFFILIATED THIRD PARTY. MY INFORMATION WAS PRESENTED TO EXPERIAN ( NON- AFFILIATED 3RD PARTY ) BY XXXX XXXX XXXX FINANCIAL INSTITUTION ) AND XXXX XXXX XXXX FINANCIAL INSTITUTION ). I ALSO WASN'T GIVEN THE OPPORTUNITY TO OPT OUT BEFORE SUCH INFORMATION WAS DISCLOSED WHICH IS A VIOLATION OF MY RIGHTS. 


EXPERIAN KNOWS I HAVE A LONG PAPER TRAIL OF THEIR FRAUDULENT ACTIVITIES. I CAN HONESTLY SAY I AM NOT SURPRISED OF THEIR PREDATORY ACTS.

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