Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: CA
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:
Please help to rectify this matter. Several months ago, I noticed many mistakes as I inspected my credit report. I immediately reached out to Experian, XXXX, and XXXX, requesting the investigation of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is also a more recent account that I disputed, but less times than the others, " XXXX XXXX XXXX XXXX ''. I have mailed out XXXX dispute letters to the credit reporting agencies. All mail has been sent certified, and USPS tracking has confirmed that the mail has been left with company agents. I have informed the credit reporting agencies that they are reporting a plethora of inaccurate information. I made sure to include a copy of each credit report, with highlighted information indicating what needed to be investigated, as well as with the reasons as to why. I also informed them that the information being reported amongst them is very inconsistent and contradictory in comparison to one another. To this day, I have XXXX indication that an actual honest and ethical investigation was ever conducted on my behalf. Still to this day, I have no communication that my dispute was being handled or processed. I never received any credit reports reflecting any investigation results, -which I requested within each dispute letter. There has been XXXX correspondence altogether. Why are they are failing to help me, or respond to me? This is not fair! The credit reporting agencies did not follow 15 U.S. Code 1681i, which details the steps they required to follow in the case of disputed accuracy. The furnishers listed above violated 15 U.S. Code 1681s2, which prohibits furnishers from reporting information that is believed to be inaccurate by the consumer. The furnishers never followed this rule and continued reporting during each and every dispute! Furthermore, my right to privacy is being violated. 15 U.S. Code 1681 states that credit reporting agencies have a grave responsibility to be fair, as well as respect my right to privacy, and 15 U.S. Code 6801 states each financial institution has an affirmative and continuing obligation to respect my privacy, as well as to protect the security and confidentiality of my nonpublic personal information.That is not happening! My private nonpublic data has been compromised, and is being shared with nonaffiliated third parties without my expressed consent! None of these financial institutions clearly and conspicuously disclosed to me that my information would be reported/shared, or provided me with any options to opt out of reporting, which is in violation of 15 U.S. Code 6802. I never had the chance to exercise my rights. No consent is merely identity theft! Their careless actions have caused me severe harm and inconvenience.

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