Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: GA
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 recently submitted a complaint to the CFPB in regards to the negligence and non compliance of EXPERIAN who is a credit reporting agency. 
Experian replied - " Regarding the remaining accounts, per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, however, they may have updated other aspects of the account ( s ). they lied and said the accounts I mentioned weren't on my consumer report but this was a lie. The result summary was sent to you for review on XX/XX/2021 '' Experian has no authority what so ever to furnish any information to my consumer report but they are acting as if they do. The bureau describes Experian as an elaborate mechanism as an elaborate mechanism developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Experian has failed to comply with 15 USC 1681c. I never gave authorization, to EXPERIAN or any furnishers to consumer reporting agency to make any consumer report containing any of the following items of information, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years pursuant to 15 USC 1681c ( 4 ) and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years pursuant to 15 USC 1681c ( 5 ). Experian is required to have proper authorization and consent to report any information to my consumer report. I never gave them consent nor authorization. Experian is now liable. Experian has failed to comply with 15 USC 1681i and 15 USC 1681e ( b ), they are reporting accounts that are inaccurate. There are accounts reporting to my consumer report which are furnished as credit card accounts but this information is incorrect based off of the bureau definitions. Experian has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n. The consumer report does not include : any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) Experian has furnished reports containing transaction between myself and others. The consumer report does not include reports containing information solely on consumer credit transaction. This information is supposed to be excluded from all consumer reports this is a violation of 15 USC 1681a ( 2 ). Experian has failed to comply with 15 USC 1681a ( 2 ) and is liable pursuant to 15 USC 1681n.

Experian has failed to comply with 15 USC 1681b ( 2 ) and is liable pursuant to 15 USC 1681n. I the consumer has never gave consent or authorization to report any accounts to my consumer report nor was I ever given the option to express that these accounts do not be reported to my consumer report.

Experian replied with this message in regards to my consumer report, they are trying to seem as if they are in compliance but they are not. there is no need to contact any furnishers of information because there was never any authorization or consent given to report anything to my consumer report at all. I am well aware that regardless of what Experian may believe they need consent from me the consumer to furnish anything to my consumer report and I never gave any consent they are in violation of 15 usc 1681b ( 2 ) and they are liable. they did not remove the accounts i demanded them to remove but instead they lied and said the accounts were not furnished to my consumer report but this was a lie.. I have proof and will upload it. please see attached documents. Experian has a system that generates replies to seem as if they are in compliance but they are not. what Experian is doing is 100 % illegal and has damaged my trust in the banking system.

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