Consumer complaint received 2022-06-26
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 XXXX XXXX, a federally protected consumer, and I am making this complaint against EXPERIAN. I previously dispute account # XXXX and it came back as verified. I requested method of validation which requires EXPERIAN to provide me with the name of the person you spoke with and the proof of validation however, the information was not provided to me as requested. EXPERIAN stated " the information you disputed has been verified as accurate, however information unrelated to your dispute has been update. Federal law requires consumer reporting agency to report with accuracy and fairness. EXPERIAN stated it was their commitment to me to make sure my EXPERIAN credit report is accurate now explain to me how you are being fair when you only spoke with the Financial institutions? Because consumer reporting agencies just decided to assume the vital role in assembling and evaluating consumer credit and other consumer information there is a need to insure that consumer reporting agency exercise with grave responsibilities with fairness, impartiality and a respect to a consumer right to privacy which EXPERIAN has failed to do. In general EXPERIAN may only furnish my consumer report under the following circumstances and no other in accordance to a written instructions of whom it relates. I request that EXPERIAN provide me with a copy of written instructions telling EXPERIAN that I gave my written consent to furnish account # XXXX. Futhermore EXPERIAN was notified that this account was a result of identity theft. Federally law states 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 ; Maybe you misunderstood my previous request to block account # XXXX as a result in identity theft and provide me with the name of the person you spoke with and the proof of validation, so I will request it again. Please do not attach me bill or statement but actual proof. If you are unable to provide this information a such as a trilateral contract with XXXX XX/XX/XXXX DELETED THIS ACCOUNT. PLEASE understand that I never contracted with XXXXXX/XX/XXXX and they have no reason to have my identifying information. ALSO pursuant 15 USC 1692g ( c ), I have never validated any alleged debt with XXXXXX/XX/XXXX XX/XX/XXXX and my failure to dispute the validity of this debt shall not construed as an admission of liability. It is my belief that EXPERIAN and XXXXXX/XX/XXXX are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive form. If EXPERIAN continues to report this fraudulent furnish account # XXXX I will file for litigation for actual damages caused and EXPERIAN will be held criminally liable for aggravated identity theft pursuant to 18 use 1028A, securities fraud, and mail fraud. I never received any documentation requesting validation from XXXX XX/XX/XXXX OR EXPERIAN before XXXX XX/XX/XXXX AND EXPERIAN committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If EXPERIAN can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account like I already stated with forethought and malice as an attempt to bring harm to me and my financial reputation. For your convenience I have attached my Drivers license, and copy of the FTC report file on XXXX XX/XX/XXXX that I also mailed you certified mail and a copy of a cease and desist

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