Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: PA
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:
The Credit Bureaus never did a proper Investigation with the following accounts : 1. Account Name : XXXX XXXX - XXXX Amount : {$2700.00} Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX  XXXX : {$570.00} Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : 11 XXXX XXXX Account type : Collection Collection Opened : XX/XX/XXXX Reason for dispute : Violation of my rights according to 15 U.S.C 1681 section 602 A, States I have the right to privacy and 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. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this at all. 

In accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if XXXX, XXXX and Experian is all showing different account information? Also, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

They also violated the law because according to : 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 DID NOT GIVE ANYBODY WRITTEN INSTRUCTIONS 15. U.S.C 1681 ( A ) PROCEDURE IN CASE OF DISPTED ACCURACY it states : before the expiration of the 5 business day period the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person, this never happened, I wasnt never informed and I can prove this in court. 

15. U.S.C 1681 section 5 A TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION : 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 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 promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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