Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report XXXX XXXX percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is XXXX XXXX percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX Bank in accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

For instance this item, XXXX and in accordance with the Fair credit reporting act XXXX account # XXXX has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than XXXX days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.

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