Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: VA
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:
Ive made several CFPB complaints, disputes by phone, online, and mail. The 3 credit report bureaus stated that my account was properly investigated, but how is that possible when incorrect inaccurate balances are still not correct, accounts in inquiries disputed is still on account even with theft report provided and proof of account current balances provided, late/neg payments/alerts not removed/ no proof of statements provided, no updated credit reports provided to me by mail nor XX/XX/XXXX credit report updated online. Also, late charges/negative accounts disputed still not updated when reported inaccurate s/reported to delete/remove. Experian reported that they got the information from the vendor/furnisher who its evident it is XXXX XXXX who provided them the bankruptcy info, letter from XXXX XXXX even states only with my permission that is provided and I never gave XXXX XXXX or all 3 credit bureaus any permission. This is a violation of my privacy. The 2 credit bureaus is not a financial service, insurance company, government, or healthcare industry. So therefore, my consumer file can not be released to you unless you was given my permission, which you did not, violating my privacy. i requested for the Bankruptcy to be removed/deleted off all 3 credit reports and the accounts included in the discharged bankruptcy be removed/deleted off my credit report as well, but they still have not. Ive even reported that XXXX XXXX  isnt my account and to remove it off the credit report and ir still shows online as well. I made addresses removal requests as well, no changes. XXXX has a copy of my report and they are aware of what I disputed online several times. Mailed letters and have called. Inquiries still inaccurate and never was removed off my report. XXXX incompetent staff need to do their job and fix their incompetency. They need to fix my account right away as of today, I am unable to use it. Also, I have sent a letter out XX/XX/XXXX & on XX/XX/XXXX, tracking # usps letters with USPS certified mail tracking numbers to dispute inquiries from my credit report that is inaccurate. Then I sent another letter by mail dated XX/XX/XXXX to remove inaccurate accounts from my credit report ( improper info ). I made disputes online as well. My address is still inaccurate. Their response was that all was accurate. That is a violation of my rights as well because the credit report is still inaccurate, no report copy was mailed to me by mail as requested and online no report loads or shows for me to access. Another violation of my rights. 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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