Consumer complaint received 2022-06-24
Company: Experian Information Solutions 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:
On XX/XX/22 I sent a Conditional Acceptance Letter to Experian, which they then received on XX/XX/22 regarding the inaccurate reporting and unlawful furnishing of the account, XXXX XXXX XXXX, to my consumer credit report. They were given three simple conditions and upon those conditions being met I agreed to accept the authenticity and validity of the mentioned account to my consumer report. 

First, they were instructed to provide me with a copy of my written instructions bearing my signature that they originally received from me instructing them to furnish this account to my consumer report, as 15 USC 1681b ( a ) ( 2 ) states that any consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom it relates. Second, they were instructed to provide me with an explanation of how the unauthorized furnishing of this account provides me with fairness, impartiality, or the right to privacy which is considered as a GRAVE responsibility of all credit reporting agencies pursuant to 15 USC 1681 ( a ) ( 4 ). Lastly, they were instructed to provide me with documentation and evidence showing which reasonable procedures were taken in investigating the authenticity of this account as 15 USC 1681 ( b ) states that they must adopt reasonable procedures for meeting the needs of commerce for consumer credit, in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 

If these 3 conditions were not met by them, they were instructed to immediately remove the account from my consumer report along with all remarks and history associated with the account. On XX/XX/22 I was notified by Experian via email that their reinvestigation of the account was completed and that the company that reported the information to them had certified that the information was accurate, therefore the item would not be changed or updated on my consumer report. This response in no way, shape or form provided me with the evidence that I initially requested in my conditional acceptance letter. It only showed the sharing of my nonpublic, personal and private information between 2 institutions which has harmed my financial reputation and caused me severe stress and anxiety. 

Pursuant to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon fair and accurate credit reporting. I was NEVER notified when the initial investigation of this information took place, if an investigation did ever take place, therefore I never had the opportunity to confirm or deny the information to be accurate or not before it was unlawfully furnished to my consumer report. Pursuant to 15 USC 1681 ( a ) ( 2 ), the lack of a proper investigation has harmed both my credit worthiness and my general reputation. As 15 USC 1681 ( a ) ( 4 ) states, there is a need for consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality, and respect to the consumer 's right to privacy. XXXX XXXX defines grave as meriting serious consideration ; likely to produce great harm or danger ; or significantly serious. This proves how paramount of a responsibility they have to respect the consumer 's right to privacy. 

Further proof of the consumer 's right to privacy is 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), which states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person ( individual or corporation ) making the report. Whether or not the transaction ever took place does not prove that it must be reported or that a proper investigation ever took place. Furthermore, a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device according to 15 USC 1681a ( d ) ( 2 ) ( B ). 

In summary, Experian has broken the law in many more ways than 1 and have completely violated my consumer rights to privacy, fairness, and caused harm to my financial reputation and general character. The only resolution to this matter at this stage is for the immediate removal of the listed account from my consumer report.

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