Consumer complaint received 2022-06-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello my name is XXXX XXXX XXXX. I am not sure why my response was closed without a proper investigation of this misreporting on my credit repair. It was a really rude response. I was told that I was using credit repair services and there is nothing a credit repair team can do for me? Why would you assume something like that, when I personally understand the XXXX  Fair Credit Reporting Act and I also understand you are in violation and illegally reporting on my credit report. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate, erroneous, and obsolete information and accounts from my credit report! Below are the accounts and explanation of why these accounts must be removed according to the XXXX FAIR CREDIT REPORTING ACT. This is completely illegal and I will not allow you to keep consistently violating the FCRA laws on my credit report. Your company has treated me unfair! This has hurt my ability to obtain credit, get my dream job, and get a car. My family and I are severely suffering due to your companys negligence and clear violations of the law. 

In accordance with the Fair Credit Reporting Act, The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX Account Number : XXXX Explanation of Factual Illegal Violation : This account is in violation of 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. The Date Opened and the Last Reported dates are reporting inaccurately on my credit report with two different dates! I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Because this account has violated the XXXX  Fair Credit Reporting Act, this is grounds to take legal action against your company if necessary. 


Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Explanation of Factual Illegal Violation : This account is in violation of 15 USC 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. THIS ACCOUNT IS THE SAME ACCOUNT WITH DIFFERENT ACCOUNT NUMBERS, DIFFERENT LAST REPORTED DATES, DATE LAST ACTIVE AND DATE OF LAST PAYMENT! This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Because this account has violated the XXXX Fair Credit Reporting Act, this is grounds to take legal action against your company if necessary. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 the information is inaccurate.

You have violated each one of these FRCA laws.

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