Consumer complaint received 2023-02-06
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: Was not notified of investigation status or results

Complaint:
I Sent my Dispute letters on XX/XX/2022. I asked the credit bureaus to " investigate every piece of information on my credit report accounts. I have attached a letter that includes all the accounts that are reporting inaccurately, I also have attached the letters I sent out to the Bureaus along with a tracking number. 

Here is the Tracking # XXXX According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through 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.

More than 30 days have passed and the Credit Bureaus have failed to validate these debts by conducting a proper investigation. I was never provided with competent evidence that I have any legal obligation to pay you for these debts for these alleged accounts. Every piece of information on these accounts are still not reporting 100 % Accurate.

According to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

My Dispute letters were received on XX/XX/2022. 

XXXX XXXX filed a lawsuit against me as of XXXX XXXX without even validating the debt and conducting a proper investigation. 

I'm asking for all of these accounts to be DELETED from my credit report as soon as possible!!! 

In accordance with the Fair Credit Reporting act. The List of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXXXXXX XXXX  XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  # XXXX These accounts above have violated my rights. 

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.

15 U.S. Code S 1692e ( 8 ) violation under the FDCPA debt collectors for false credit reporting False or misleading representations.

15 U.S. Code S 1681i - Procedure in case of disputed accuracy.

15 U.S. Code S 1681s2b - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code S 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

These are clear violations of my federally protected consumer rights.

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