Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: FL
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:
Hello i need Help Please? Over 75 FCRA Violations have occured! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under FCRA 15 U.S.C 1681i Procedure in case of disputed accuracy. Also 15 U.S.C 1681 section section 602 A and 604 A Section 2. 

i filed complaints with the CFPB on XX/XX/XXXX for previous violations of the FCRA regarding disputes and inaccuracies being reported by experian credit reporting agency or bureau which is negatively affecting me. It has been over 7 weeks since XX/XX/XXXX over 49 days later the complaints and disputes have not been resolved when by law they are supposed to be resolved with 30 days or max 45 days after 15 day extension. This alone is grounds for deletion
emoval but there are alot more violations. 

XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account Number XXXX Reporting 75 NEGATIVE MONTHS! 

EXPERIAN DID NOT provide additional relevant information during the 30day period EXPERIAN DID NOT resolve the dispute with 30 or 45 days EXPERIAN DID NOT give me all the relevant information it gets within five business days of receipt EXPERIAN DID NOT promptly give additional relevant information provided by the consumer. 
EXPERIAN Must respond to the notification of the dispute within the specified times so EXPERIAN must delete the disputed information from its files FCRA 623 ( b ) ( 1 ) You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) 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 a account without my written instructions 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 crimes which antedates the report by more than seven years. My rights have also been violated under 15 U.S.C. 1681s-2 Furnisher Rule 660.4 ( a ) and Furnisher Rule 660.4 ( e ) Please note all these accounts are all closedcharged off or settled	ransfered since XXXX  Experian is report wrong inaccurate credit reporting that doesnt appear on XXXX  or XXXX  so not accurate or valiated or valid. Thanks

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