Consumer complaint received 2022-06-30
Company: Herbert P. Sears Co., Inc.
State: CA
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:
I have disputed with the consumer reporting agencies that this account : HP SEARS should be removed from my report. This is a medical account that has been reported on my consumer report since XXXX. I have disputed both online and via XXXX certified mail as this account has been reported with inaccurate information on all three ( 3 ) of my consumer reports. 

HP SEARS sent a letter stating that the account # XXXX, has been canceled by the client, XXXX XXXX, and that HP SEARS will be DELETED from all consumer reports within 30 days. That deletion never happened. I have not received any other documentation from HP SEARS in regards to this deletion. I have called and got the run around as to why this account wasn't deleted. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX stating the account : HP Sears should be removed from my report, and the website wasn't allowing me to upload any documents in regards to this matter, as I had a letter from HP SEARS stating they were to remove this account from my consumer report. Nothing was done with this account on my consumer report as my dispute was closed. 

On XX/XX/XXXX I did an online dispute with XXXX at XXXX  to have the account : HP SEARS removed from my consumer report. The dispute was closed with no change to the report. 

On XX/XX/XXXX I did an online dispute with XXXX at www.experian.com for the account with HP SEARS to be removed from my consumer report. The dispute was closed with no change to my consumer report. 

On XX/XX/XXXX I sent a certified letter # XXXX to HP SEARS to to remove the account from my consumer report. No response has come in as of yet, but seeing that they sent me a letter on XX/XX/XXXX stating the deletion of this account from my consumer report. 

On On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to account # : XXXX by HP SEARS to be removed from my consumer account. 

On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to account by HP SEARS to be removed from my consumer report. 


On XX/XX/XXXX I sent a certified letter : XXXX to XXXX in regards to the account by HP SEARS to be removed from my consumer report. 

Here are the consumer rights that were violated various ways by all of the following companies : HP SEARS, XXXX, XXXX, XXXX. 

According to 15 U.S.C. 1681 Section 602 ( a ) states : I have the right to privacy According to 15 U.S.C 1681 Section 602 ( a ) section 2 states : a consumer reporting agency can not furnish an account without my written permission. 

According to 15 U.S.C. 1681 s-2 ( a ) ( i ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

According to 15 U.S.C. 1681 ( a ) ( 2 ) states : A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the period described under paragraph ( 1 ) ( A ), the debt may not be reported to a consumer reporting agency.

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