Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: OR
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I requested the cfpb to intervene in order to help me get problems I found out in my credit file Pursuant to federal law, I am requesting that you provide me copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed. Please provide all information relating to the fraudulent transaction, including : Application records or screen prints of Internet/phone applications Statements Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate the account or used to access the account Any other documents associated with the account. 
Account likXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this investigation is passed due the 30 days and still the above accounts haven't been removed, deleted or blocked from my credit report file this investigation has passed the 30 days that by Federal law they have in order to correct this issue.

It is proved that Experian does not has any respect for the consumer right. They are law and are above the Law mocking the cfpb by answering to this serious complain that a response was in progress on XX/XX/XXXX and at today XX/XX/XXXX they have not issued any response. 
Experian did the same to all my phone disputes, all the mail disputes submitted by me on previous months this credit reporting agency is mocking and playing with the life of those consumers. consumers like me who battle day by day to defend their rights again giants powerful companies that manipulate the law in their favor because it is know Experian get pay for this inaccurate, false information stay in the credit file. 
Today I reach out again to the cfpb not only to Witness how Experian violates my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt but for the cfpb to enforce the law the previous complain # is 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 non-monetary relief