Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: FL
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 XXXX, XXXX and Experian did not do a proper investigation 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. 
All three credit bureaus did not do this. 
Also, XXXX, XXXX and Experian have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau Experian, XXXX, and XXXX all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
XXXX, Experian, and XXXX stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy.

According to the law 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 as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. ( Experian and XXXX used Post Cards ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

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