Consumer complaint received 2023-05-30
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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit reports and consistently monitoring and disputing inaccuracies in my report, I am submitting this complaint for the reason that my federally protected consumer rights have been violated according to the Fair Credit Reporting Act. In accordance with the act, my credit report is supposed to be ACCURATE 100 % across ALL 3 credit reporting agencies. Therefore, based on the law all information that is inaccurate, incomplete, or can not be verified must be deleted from my report. The bureaus are reporting inaccurate information in regard to my personal information, unknown inquiries, and inaccuracies of data ( i.e. : amounts owed, dates, last activity, etc. ), on the accounts listed below to name a few. 

I have made numerous attempts requesting Experian, XXXX, and XXXX to reinvestigate these accounts and provide me with full verification proof of validation of these disputed accounts on serval occasions to no avail. According to 15 U.S. Code 1681i section ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) not later than 15 days after receiving a request from the consumer for that description. I have requested for the credit reporting agencies to provide me with a signed contract, and written consent from me as proof that these accounts were valid and I was not provided the requested proof. Therefore, by not providing me with the necessary documents to prove full validation, Experian, XXXX, and XXXX did NOT use proper procedures to verify the information being reported. 

Furthermore, the credit reporting agency is NOT allowed to put anything on my credit report without my written permission beforehand. As such, at no time did I EVER give written consent to the credit reporting agency at any time giving the authorization to report information on my credit report in the first place. 

As a result, in accordance with the Fair Credit Reporting Act, the list of the following accounts below has violated my federally protected consumer rights based on the following : 15 U.S.C 1681 section 602 A. My consumer rights to privacy and confidentiality.

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 1681i ( 5 ) ( a ) - Procedure in case of disputed accuracy. States If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681e ( b ) : Accuracy of report. States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

15 U.S. Code 1681b ( a ) - Permissible purposes of consumer reports. States Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

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

Accounts : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

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