Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: AR
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:
Proper investigation was never done. 

I have tried to resolve this issue with the credit Bureaus since XXXX of XXXX. 
They have not complied with 15 U.S.C Section 1681 nor have they tried to fix any inaccuracies. 

Experian, XXXX and XXXX have knowingly broke the law and violated my rights. 
I asked each bureau to delete all inaccurate information including information that is not 100 % accurate and verifiable bearing my signature. 
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 states a consumer reporting agency can not furnish an account without my written instruction. 

The bureaus either responded saying the information was verified or chose to ignore my request all together. 

I also explained that e-oscar was not proper verification and requested the method of verification/validation ; yet to be ignored once again. 
So this is a formal complaint demanding that the bureaus comply and remove the Below inaccurate/ unverifiable accounts from the profiles each Bureau holds under my social security number. 


XXXX ) XXXX Account number XXXX Exp/XXXX Date opened is incorrect as well as payment status late 30 days and last reported dates as well as date last active and date of last payment. The two year payment history and payment status do not match and are in error. The late 30 days need to be removed on all three bureaus. 

XXXX ) XXXX Account # XXXX Exp/ XXXX Date opened, high credit limit, late 90 days, last reported, date last active, comments, date of last payment, two year payment are all inaccurate. Whats not 100 % accurate has to be removed. 

XXXX ) XXXX Account # XXXX Exp/XXXX listed twice Inaccurate ; Account Type, date opened, payment status, last report, comments, date last active, date last payment, and two year payment history. Further more, according to the Fair Credit Reporting Act an account with an open balance can not have a payment status of collecttion/charge off with a past due amount. 

XXXX ) XXXX account number XXXX Reported on Experian/XXXX  inaccurate ; account type, date opened, high credit limit, payment status, comments, date last active, date of last payment and two year payment history. 

XXXX ) XXXX XXXXXXXX account number XXXX Exp/XXXX  Inaccurate ; account XXXX XXXX date opened, balance, high credit, credit limit, payment status, last reported, date last active, date last payment and two year payment history. XXXX list this account with a OK two year payment history yet list payment start as a charge off. All tree bureaus lis account with balance and being charged off which cant be true according to the FCRA. 

XXXX ) XXXX  account number XXXX listed twice on XXXX listed as account number XXXX on XXXX this is clearly an inaccuracy. 
As well as the account type, date opened, high credit, payment start, date last active, date last payment and two year payment history. 

XXXX ) XXXX ( original creditor XXXX XXXX XXXX  ) Account number XXXX Listed on XXXX and Experian reported by XXXX I have disputed this account with the above mentioned collection company as I have never done business with or agreed to a contract the collector XXXX. Furthermore the date opened, balance, payment status, date last active and date of last payment are all inaccurate and were not verified by either Bureau properly. 

XXXX ) XXXX  Account XXXX XXXX/Exp/XXXX inaccuracies ; account number, date opened, balance, high credit, credit limit, past due, payment status, last reported, date active date last payment and two year payment 9 ) Inquiries that were not authorized : XXXX XXXX XXXX Experian- XXXX XXXX, XXXX The only Personal information that should be listed in each credit profile from XXXX, Experian and XXXX are below : Name : XXXX XXXX XXXX of XXXX XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Arkansas XXXX All other information in personal information section of reports are inaccurate and should be removed. 

Experian, XXXX and XXXX should be accountable for violations of the law just as everyone else is. Each bureau Neds to delete every account listed above from my credit profiles as it has been damaging and harmful to my life, survival and financial means.

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 non-monetary relief