Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
THESE COMPANIES have violated my consumer rights. as well as furnishing data to the credit reporting agencies without proper documentation given prior to the consumer to get written consent to furnish data on my consumer credit profile. My report doesnt meet all the federal requirements and regulations with the law. FAIR CREDIT REPORTING ACT & METRO 21 I demanded proof of how they were able to verify the following accounts listed below. 
report I have not given them written permission to put anything on my credit profile they have no permissible purpose by law to contact third parties with my private or personal information you are a offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( a ) they have knowingly transferred possessed my information or used without lawful authority, This to inform your Agency that there has been a billing error on my Reports the accounts reported on my profile are INACCURATE, INCOMPLETE AND UNTRUE, The Following accounts being challenged : XXXXXXXX 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 XXXX30, 60,90 Day Late payments are UNTRUE I paid on time and was on XXXX XXXX leave. PLEASE DELETE LATE PAYMENTS AND UPDATE AS PAID IN FULL. 


XXXX XXXX : XXXX Missing on time payments on dates ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) I paid on time XXXX* please up date these payments as paid in full XXXX : XXXX Missing on time payments for ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) These payment dates were PAID ON TIME XXXX  please up date dates to paid in full XXXX  XXXX : XXXX Reporting different account statuses this account has been paid in full never late. 
Missing payment dates ( XXXX XXXX XXXX  ) Paid in Full and on time for date ( XX/XX/XXXX ) please delete late payment for this date and update as paid in full. 
Paid in full for date ( XX/XX/XXXX ) please delete late payment for this date and update as paid in full XXXX : XXXX Account status as derogatory this in incorrect this account is PAID IN FULL this Account was Never late. Missing payment dates for ( OCT 2019-SEP 2021 ). Account says 60 days late this is UNTRUE I WAS NEVER LATE on this account past due balance is {$0.00} because I dont owe anything I was never late please update Account in GOOD STANDING as well as payments paid on time. 


XXXX : XXXX This account has never been late this account was Paid in FULL and closed. All payments for this account were paid in full payments should be reporting paid in full, This Account was Never in Collections, because it shows one payment XX/XX/XXXX as paid on time. Account says late 120 days in incorrect. DELETE THIS ACCOUNT IMMEDIATELY PLEASE PROVIDE ALL PROOF THAT YOUR COMPANY DID A THROUGH INVESTIGATION ON THIS ACCOUNTS. 
THE FOLLOWING ACCOUNTS SHOULD HAVE PROVIDED copy a full Ledger accounting. 
copy of full debit and credit accounting. 
copy of original indebtedness contract with my wet ink signature. 
copy of a waiver document giving permission to their company to share my personal and private information to third parties. 
copies of the contract that you have between the original creditor and thier company that they are legally and lawfully Obligated and assigned to collect on their behalf. 
full accounting summary of interest and any default payments and negative balances that determines the current balance you are reporting on my credit profile as well as all documentations of the opening credit and ending credit dates. 
you have violated my consumer rights. as well as furnishing data to the credit reporting agencies without proper documentation given prior to the consumer to get written consent to furnish data on my consumer credit profile. My report doesnt meet all the federal requirements and regulations with the law. FAIR CREDIT REPORTING ACT & METRO 21 I demand proof of how they were able to verify the following accounts listed below. 
report I have not given them written permission to put anything on my credit profile you have no permissible purpose by law to contact third parties with my private or personal information you are a offenses amount to aggravated identity theft pursuant to 18 USC 1028 ( a ) you have knowingly transferred possessed my information or used without lawful authority, UPDATED ALL MISSING PAYMENTS TO PAID ON TIME. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

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