Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After reviewing at my consumer reports, I realized that my report was inaccurate and inconsistent, and this inaccurate and inconsistent report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companys investigation that you were going to report this information. This grave error has undermined my confidence in your company 's procedures and has a result of this I will no longer be extending credit, and if this is information is not removed, I no longer want my information reported in your company database. I have identified numerous violations below and demand that the items identified on my report be deleted immediately. 

Violation 1 : In accordance with the Fair Credit Reporting Act, XXXX has violated my rights. 15 U.S.C 1681 section 602 A, which states that I have the right to privacy. In 15 U.S.C 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 US Code 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, 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. 

I, XXXX XXXX, never gave XXXX any written consent to report anything on my consumer report. No Consent is Identity Theft. 

Violation 2 : Pursuant to 15 USC 1681 ( d ) ( 2 ) ( B ) Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). This includes transactions resulting from my Social Security Card. 

Violation XXXX : Pursuant to 15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

Violation 4 : Pursuant to 15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights Concerning the accounts listed below, as a consumer, I am demanding deletion if these accounts. 

XXXX  XXXX XXXX Account number : XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number : XXXX po box XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Also, please add a promotional suppression to my credit file. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.

Should you refuse to comply with my request, I will lodge complaint with the Federal Trade Commission and the Georgia Attorney General 's Office. I will also pursue claims against your agency under the provisions of FDCPA and state consumer protection regulations.

I hope you will pay heed to my request and give this letter all the attention it deserves.

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