Consumer complaint received 2022-02-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I ACTUALLY DISPUTED THIS ACCOUNT WITH XXXX XXXX  AND CFPB WAS THE MEDIATOR. WHEN THE COMPANY RESPONSED BACK THEY HONORED THE FACT THAT THEY WERE REPORTING AN ERROR ON MY REPORT AND REQUESTED TO DELETE FROM CREDIT REPORT. THE TRADELINE WAS DELETED. MY ISSUE IS THAT EXPERIAN XXXX  XXXX ALLOWED THIS ACCOUNT TO BE FURNISH ON MY REPORT. THIS HAD A NEGATIVE IMPACT ON MY REPORT AS A COLLECTION. EXPERIAN XXXX  XXXX DELETED THESE ACCOUNTS. DELETIONS IS ADMISSIONS. AS PER 15 USC 1681 ACCURACY AND FAIRNESS. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. HOW AM I SUPPOSED TO TRUST YOUR REPORTING AGENCIES IF YOU ARE ALLOWING TO FURNISH ERRONEOUS INFORMATION. AS A CONSUMER I HAVE THE RIGHT TO AN ACCURATE REPORT. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. IF YOU ASSUMED THE ROLE, CONSUMERS ARE EXPECTING FOR YOU TO DUE YOUR DUE DILIGENCE. AS PER 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. THE REPORTING AGENCIES ARE PLAYING UNFAIR GAMES THAT THEY PUT FURNISHERS OVER CONSUMERS, I AM QUESTIONING THEIR INTEGRITY. SINCE THEIR FAILING TO DO THEIR JOBS, I AM ENTITLED TO COMPENSATION OF DAMAGES. THEY ALLOWED A DELETION, IT ONLY TELLS ME THAT THEY HONORED THAT ERROR AT SOME POINT, THEY NEVER QUESTIONED IT. AS PER 15 USC 1692K-CIVIL LIABILITY ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I AM REQUESTING MONETARY DAMAGES IT IS ENCLOSED IN MY ATTACHMENTS/EVIDENCE. DELETIONS IS ADMISSIONS IN CONCLUSION, I NEVER GAVE ANY REPORTING AGENCY WRITTEN PERMISSION OR AUTHORIZATION TO furnish their in violation under 15 usc 1681b ( a ) ( 2 ) ( 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.

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 non-monetary relief