Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX. I am a real person and I am writing to CFPB to help address an issue with Credit Bureaus, the incorrect information that they are reporting is damaging my reputation and ability to provide as a father and a husband. I am asking for help. I have been trying to get it resolved with the credit bureaus for over 90 days, and it has been verified, as stated by the CRAs. I ASKED FOR A METHOD OF VERIFICATION and a COPY OF the ORIGINAL CONTRACT with my signature and NOTHING WAS PROVIDED TO ME. Also, the CRA sent me an update, that these accounts have been VERIFIED and UPDATED. I will attach all the evidence to this complaint. I have asked several times for the validation of the accounts with the following companies and these accounts WERE VERIFIED BY THE CRA : XXXX ( acnt number : XXXX, Open date : XX/XX/XXXX, Balance : {$170.00} ), XXXX ( account number : XXXX, open date : XX/XX/XXXX, Balance : {$580.00} ), XXXX ( acnt number XXXX, open date : XX/XX/XXXX, Balance : {$170.00} ). I will attach a document that all these accounts were VERIFIED on XX/XX/XXXX ( report number XXXX ). Now looking at the report on XX/XX/XXXX and XX/XX/XXXX, I have noticed there are invalid and incorrect information reported to the CRA. According to 15 U.S.C 1681 ( i ) - Procedure in case of disputed accuracy. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I will attach all the evidence to this complaint and highlight the information that was reported incorrectly. THERE IS ALSO INCONSISTENCY BETWEEN THE THREE REPORTS, even after these accounts were VERIFIED and the following information is reported differently. Accounts with XXXX and XXXX are only reported to Experian and XXXX reports , as XXXX XXXX, and are not reported on Experian report, as of XXXX. The following information is reported as incorrect and different on the 2 bureaus : ACCOUNT NAME, ACCOUNT NUMBER, ACCOUNT TYPE, STATUS UPDATED, BALANCE UPDATED, TERMS, PAYMENT HISTORY. 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. I have never given any instructions for these accounts to be reported on my Credit reports.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on your credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports.

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