Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This letter is for Experian, XXXX and XXXX about the investigation I received that was requested on XX/XX/2022. I am contacting you because you claim to have completed a reasonable investigation with the furnisher of information and verify the account listed below as reporting 100 % accurate however this account is still in accurate and your company is still continuing to report errors on my credit file which is causing damage to my credit score. I am now being harassed by credit collection agencies whos info I will be sending you at the bottom. Witch means that my supposed debt has been sold but my credit report is still reporting late payments even though the account is closed and was not properly investigated I see in my investigation that account numbers are different on each credit bureau report witch doesnt make sense to me and who did you talk with when conducting this investigation. You are in violation of my rights. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. According to : 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. 15 U.S.C 1681 ( e ) states A person may not procure a consumer report for purposes of reselling the report or any information in the report unless the person discloses to the consumer reporting agency that originally furnishes the report. 15 U.S..C 1681 ( d ) ( 4 ) 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 attain through a personal interview with a neighbor friend or associate of the consumer or with another with whom the consumer is acquainted or who has knowledge of such item of information. 15 USC 1692 ( b ) ( 5 ) The corporation may not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication were late to the collection of a debt. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX Are in violation of 15 U.S.C 1692 ( B ) ( 2 ) any debt collector communicating with any person other than the consumer for the purpose to acquire location information about the consumers shall not state that such consumer owes any debt.15 U.S.C. 1681b 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 ) of this section, 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.I want all accounts below to be removed immediately. XXXX XXXX XXXX and XXXX XXXX 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 explanation