Consumer complaint received 2022-06-24
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX, a Federal protected consumer, and I am making this complaint against EXPERIAN for failure to investigate with fair and accuracy. I recently disputed the XXXX XXXX XXXX XXXX XXXX that EXPERIAN is reporting on my consumer report without my permission and XXXX outcome Remains : The company that reported the information has certified to Experian that the info is accurate. Who is the company? On your website it shows that XXXX is the third party vendor and I have mailed and attached correspondence showing that XXXX has deleted this bankruptcy from their database. I have provided EXPERIAN with proof that this PUBLIC RECORD was FRAUDULENTLY FURNISHED by attaching a FTC and by mailing correspondence to EXPERIAN certified mail. EXPERIAN has responded back by stated " our investigation of the dispute ( s ) and/or other request you recently submitted is now complete. If an item you disputed is not in the list of result below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. EXPERIAN also stated " IF ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER. THE CREDIT GRANTOR REQUESTS THAT YOU CONTACT THEM DIRECTLY.- I have contacted the third party directly and XXXX has seen DELETE this BANKRUPTCY FROM THEIR DATABASE which I have also provide because XXXX never had my written consent to furnish it. EXPERIAN ALSO STATED THAT " BANKRUPTCIES AND CHILD SUPPORT DEBT typically do not result from FRAUDULENT ACTIVITIES ; If BANKRUPTCY DEBT typically do not result from FRAUDLENT ACTIVITES EXPERIAN would be saying that I gave permission to XXXX to furnish this information which I did not and the result of me not giving my consent to XXXX they had to remove it from their database. EXPERIAN stated that " WE ARE REQUESTING ADDITIONAL INFORMATION THAT YOU MUST PROVIDE IN ORDER FOR US TO ACT ON YOUR REQUEST. I have provided EXPERIAN additional information several times in CFPB COMPLAINT # XXXX, # XXXX, # XXXX, # XXXX AND # XXXX. I have mailed correspondence to EXPERIAN with copies of the FTC report and correspondence from their third party vendor XXXX showing this PUBLIC RECORD was fraudulently furnished several times. EXPERIAN IS REQUEST THAT I SEND A COPY OF MY GOVERMENT ISSUED IDENTIFICATION CARD OR A UTILITY BILL. I have provided this to EXPERIAN already before though XXXX also in previous complaints. They are also requesting that I include the following identification information : My full name including middle initial which is on my government issued identification card. I have provide my social security number in previous attachment also with correspondence that has been mailed to them. I have also identified that my address has been the same sine XXXX. XXXX committed identity theft because I never gave XXXX ANY permission to use any of my identifying information. EXPERIAN continues to invade my privacy by committing abusive, deceptive and unfair creidt reporting. Federal law states that a consumer reporting agency shall block the reporting of ANY information in the file of a CONSUMER that the CONSUMER IDENTIFIES as INFORMATION that resulted from an alleged IDENTITY THEFT, not LATER than 4 business days after the date of receipt by such agency of a copy of an identity theft report ; I XXXX XXXX a FEDERALLY PROTECED CONSUMER IDENTIFY that the XXXX XXXXXXXX XXXX XXXX  XXXX was a result from an ALLEGED IDENTITY THEFT. I XXXX XXXX provided proof of the alleged IDENTITY THEFT. PLEASE explain why this information is still reporting and why EXPERIAN THINKS they can make a decision on what reports on my consumer report after I have told and provided proof that the XXXX XXXX XXXX XXXX XXXX was fraudulently furnished. It is my belief that EXPERIAN are attempting to furnish false and deceptive forms. EXPERIAN has committed multiple violations under the FCRA by furnishing this PUBLIC RECORD that I have identified several times as identity theft. EXPERIAN refuse to BLOCK this PUBLIC RECORD from my consumer report as if that has a option to do so. Maybe you misunderstood me telling you to remove this XXXX XXXX XXXX XXXX XXXX from my consumer report because I never gave you my written consent to furnish it in the first place. You have failed to provide me with your method of verification. If this public record information was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigated consumer report, I am also exercising my rights under 15 U.S.C 1681 ( a ) ( e ). I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name and employee number of the employee whom you spoke with the company who furnished the information. Pursuant to 15 U.S.C 1681a ( e ) I am demanding the following : Which neighbor did you speak with? 
Which associates did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? You can not be one sided and only contact the financial institutions which if you did contact them this XXXX XXXX XXXX XXXX would not keep coming back as verified. If you can not provide me with proof such as a tracking number that you EXPERIAN attempted to lawfully validate if XXXX indeed had my consent prior to furnishing this PUBLIC RECORD this has been a fraudulent furnished PUBLIC RECORD with forethought and malice as an attempt to bring harm to me and my financial reputation. Furthermore A consumer reporting agency may only decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that the information was blocked in error or a block was requested by the consumer in error. THIS IS NOT A ERROR I DEMAND THAT YOU BLOCK XXXX XXXX XXXX  XXXX.In general. Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; AS OF XXXX XXXX EXPERIAN IS ALREADY IN A FEW THOUSANDS WORTH OF VIOLATIONS FOR EVERYTIME YOU HAVE VERIFED THIS FRAUDULENT FURNISH PUBLC RECORD AS ACCURATE. KEEP IN MIND THAT THIS IS A PATTERN of violations. The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation

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