Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I ask for verification for proof as per law for the follow accounts Experian as states as verified as accurate which is already removed from XXXX and XXXX and I've attached their report as proof. 

This is what the letter stated XX/XX/XXXX The list of accounts below has violated my federally protected consumer rights to privacy, accuracy and confidentiality under 15 U.S.C 1681 and 15 U.S.C 1681i ( a ) I need proof that these accounts are 100 % verified as accurate as you stated they are in previous disputes. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items that are listed on my consumer credit report as accurate. 
Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my Social Security card and ID card. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Please remove all personal statements and please ensure my legal name is accurate and remove any misspellings. 

Please investigate every piece of information * Account : XXXX XXXX * Source of dispute information : loans * account : XXXX * Amount {$14000.00} * Dates associated with item being disputed : XX/XX/XXXX Please investigate every piece of information * Account : XXXX XXXX XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$12000.00} * Dates associated with item being disputed : XX/XX/XXXX Please investigate every piece of information * Account : XXXX XXXX * Source of dispute information : accounts * account : XXXX * Amount {$5000.00} * Dates associated with item being disputed : XX/XX/XXXX Please investigate every piece of information * Account : XXXX XXXX XXXX * Source of dispute information : account * account : XXXX * Amount {$22000.00} * Dates associated with item being disputed : XX/XX/XXXX Please investigate every piece of information * Account XXXX XXXX XXXXXXXX XXXX * Source of dispute information : account * account : XXXX * Amount {$5200.00} * Dates associated with item being disputed : XX/XX/XXXX Please investigate every piece of information * Account : XXXX XXXX XXXX XXXX XXXX  XXXX  * Source of dispute information : Public record * number : XXXX * Dates associated with item being disputed : XX/XX/XXXX * Bankruptcy XXXX XXXX This letter with tracking XXXX XXXX XXXX XXXX XXXX XXXX was delivered and phone call recorded this delivery by supervisor XXXX at Experian who refused to disclose any identification past her first name. 

They stated the law does not require them to furnish the investigation and that they " toss '' the materials and do not save them which is clearly a lie to break the following US code : 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).

( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.

( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).

( d ) Prohibitions ( 1 ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.

( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.

( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished.

( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I've recorded the call and will use this call, complaint and letter for a formal lawsuit and request this to be investigated by CFPB and appropriate parties including the attorney general which letter is also attached. 

This will reference current case : XXXX XXXX XXXXXXXX XXXX. v. Experian XXXX XXXX XXXX, XXXX XXXX. XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Virginia to show the ongoing willful negligence to protect consumers and their reports.

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