Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CA
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:
Negative attachment Online Personal Credit Reports & Credit Scores, XXXX and XXXX show different scores, none lining up with what Experian has. Not only that, but XXXX shows 22 positive accounts when there should be 21, with XXXX showimg 23 which is not accurate. All aging negative accounts are showing a phone number I do not have any longer. 
This is all on XXXX, and I took a look on Experian.com, only to find out more. First off, instead of receiving a free credit report I should get to see when pulling it up online, however, it makes new users sign up on the site. 
Upon reviewing my {$8.00} a month credit report, I have come across the following misinformation. 
A completely different score, higher than the one on XXXX from XXXX. Both on XXXX and on Experian.com, when I pull up my credit report from Experian, XXXX, and XXXX, all three show 30 day, 60 day, and 90 day Late Payments on my credit report. I did not give any credit report agency, nor did I give any data furnisher permission to do so, nor did I even give them written instructions. The inaccuaracies that are still on my credit report, especially after attempted disputes, violate 15 U.S. Code 1681e - Compliance procedures ( b ) for the law states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX also made a false statement that " I can not afford to make payment for the credit cards due to Extensive medical bills ''. What I said was, " There is Payment Issue at work, it has been slow, and how that has been a problem for some time. '' I find the false statement made by XXXX on my Credit Report Defaming, very damaging, and in violation ( per se ). I never gave Experian, nor XXXX, nor XXXX permission to furnish an account on my credit report. 

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1681b purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; One summarizing note I make on this is that after the trial ended, Experian repeatedly attempted to charge me again, and again for their subscription, which lapsed. As of now they are still doing this, and I have not authorized them to do so. Experian will not remove the card I have on file, in order to stop attempting to charge me. 
I sent out letters to Experian, XXXX XXXX, and XXXX on XX/XX/XXXX to Investigate information on the accounts listed below. I told all three credit bureaus, XXXX, XXXX, and Experian to " investigate every piece of information '' on the accounts listed below. I have also attached the letter I sent out and here are the Tracking # XXXX. 

XXXX - XXXX XXXX - XXXX XXXX- XXXX XXXX- XXXX XXXX - Experian XXXX - Experian According to the FCRA, the term " investigate consumer report '' means a comsumer report or portion thereof in which information on a consumer 's 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 whom he is acquainted or who may have knowledge concerning any such items of information. All three credit bureaus stated my accounts are verified, but how can that be if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate.

According to the FRCA 15 USC 1681 everything has to be 100 % accurate.

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiallity under 15 USC 1681. 

Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX XXXX  Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX XXXXXXXX Type of Account : 60 Day Late Payment Account # : XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX XXXX  Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

Account Name : XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

It has been over 30 days, only to be met with improper responses from Experian and XXXX, no response from XXXX. 
Appaling, because I have provided the necessary information in order to assist all three in their Investigation.

All three not only false accused me of being a credit repair agency, but have also asked me for more personal information than I have sent already. But, I complied in order to further assist. They are required by the FCRA to respond properly, and all three failed to do so. According to the Fair Credit Reporting Act 15 USC 1681, this is a violation for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N ] I have made the attempt to dispute with all three credit agencies about this. Item anchoring remain with no change on my credit report. I feel as if I am taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

They should be deleted promptly. I waited 30 days, received my investigation, and everything is still the same. All three consumer reporting agencies which is XXXX, Experian, and XXXX did not modify, nor removed anything. The date opened is incorrect, date last active incorrect also on all three credit reports, which is a violation. Monetary harm has resulted clearly, and is unacceptable as well. I acquired my credit report, and asked the credit bureaus to check to ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I demand the accounts deleted immediately or I will file for litigation due to the stress you caused me. My information is now compromised as long as the accounts are left with false statment, incorrect scores, and is at serious risk of breach by XXXX, Experian, and XXXX due to the bypassing that took place XX/XX/XXXX by identity theives according to XXXX XXXX XXXX 

XXXX XXXX XXXXXXXX I do not need my information stolen on top of the inaccuracies. My information may have gotten into the hands of the wrong person as well.

This is impacting me from moving forward to acquire funding for my small business, and buying a house for my mother and I. We need to relocate from an area in disrepair and decay. Attached below are my previous credit report and new credit report showing how XXXX, Experian, and XXXX violated my rights.

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