Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: OH
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/2022 I sent certified letters to investigate inaccurate and unknown information on my credit reports to XXXX, Experian and XXXX. I requested for prompt response and clarification. ( Tracking # 's XXXX, XXXX and XXXX. ) In accordance to 15 U.S.C. 1681i ( A ), I did not receive my results within 30 days and was not notified of an extension. 
The credit bureaus states that my file was properly investigated but, how is that possible if the open date, date last active, account number, date last reported, date of last payment, high credit etc. is inaccurate. This is grounds for removal. They also violated my rights under the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS! 

XXXX XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX XXXX, ACCOUNT # XXXX AND # XXXX ( INACCURATE AMONGST REPORTING AGENCIES ) has violated my rights. 

XXXX XXXX XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, ACCOUNT # XXXX violated my rights. 

XXXX XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX XXXX HIGHER XXXX, ACCOUNT # XXXX has violated my rights. 

XXXX, XXXX AND EXPERIAN DO NOT HAVE A NAME FOR ORIGINAL CREDITOR, ACCOUNT # XXXX! HAS VIOLATED MY RIGHTS. 

CREDIT COLL ( 06 XXXX XXXX IN CO ), ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX, ACCOUNT # XXXX WAS DELETED BY XXXX AND NOT BY EXPERIAN AND XXXX and has violated my rights. 

XXXX XXXX XXXX, ACCOUNT # XXXX ( HAS NO ORIGINAL CREDITOR- AMONGST ALL BUREAUS ) VIOLATION OF MY RIGHTS. 

15 U.S.C. 1681i section 611 ( a ) ( 2 ) ( A ). States In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

I received no notice. 

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 an 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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