Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I pulled my credit report from XXXXXXXX and noticed multiple inaccurate credit findings on my report that I had disputed with Experian, XXXX, and XXXX. I sent my initial dispute letter to Experian via certified mail that was accepted on XX/XX/XXXX. After the initial dispute results came back from Experian, I had submitted a CFPB complaint in regards to accounts coming back verified and I demanded a reinvestigation in how they verified said account ( s ) in question. XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX. I have not heard back from Experian since then. There were two disputes sent to Experian dated XX/XX/XXXX and XX/XX/XXXX through the CFPB and there is no response to either one. I then did another dispute with a demand for a block of information on my consumer report to Experian through the CFPB dated on XX/XX/XXXX and they have STILL not responded to this complaint. It has been WELL over four ( 4 ) days, well over fifteen ( 15 ) days, and WELL over thirty ( 30 ) days. Experian is failing to respond and I am demanding the accounts be deleted immediately from my consumer file. The accounts listed in my complaint through the CFPB on XX/XX/XXXX with the CFPB complaint # XXXX and accounts listed on CFPB complaint # XXXX on XX/XX/XXXX be deleted immediately for failure to respond per 15 USC 1681i ( a ) ( 7 ). Additionally, since then, Experian is still continuing to violate my federally protected rights under 15 USC 1681 C-2, 15 USC 1601, 15 USC 6802, 15 USC 6803, 15 USC 6827, 15 USC 1681i ( a ) ( 7 ), reporting income on my consumer report per IRS publication 4681- any canceled debts are to be reported as income on a 1099-C form. I have disputed all of these accounts several times with Experian & have demanded a BLOCK of these accounts from my consumer file. ACCOUNTS REQUIRED FOR DELETION FOR FAILURE TO RESPOND : XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX Ive disputed these accounts that they are due to identify theft and have provided Experian with all the documentation required per federal law to have these accounts removed and/or blocked from my consumer file per disputed fraudulent accounts. Experian has not responded to my demands for a BLOCK of information on my report. They have NOT responded to my CFPB complaint on XX/XX/XXXX in regards to my demand for a block ( please refer to CFPB complaint # XXXX ). This complaint is still in open status since there has been no response. Even in the companies interim response, it clearly states that they will take up to thirty ( 30 ) days. It has been over 30 days. Experian has been in process of complaint since XX/XX/XXXX, but no response and it has been well over thirty ( 30 ) days. Per federal law pursuant to 15 USC 1681C-2 states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

Per federal law you need : ( 1 ) FTC IDENTITY THEFT AFFIDAVITS ( I have provided ), ( 2 ) PERSONAL STATEMENT ( which I provided on my FTC report ), ( 3 ) IDENTIFICATION OF FRAUDULENT INFORMATION ON REPORT ( which I have provided on my FTC report ). I have submitted all documents needed per federal law and nothing has been done on my behalf. Experian failed to block the fraudulent accounts within four ( 4 ) days and verified them as accurate. This DEMAND for a BLOCK of these accounts were NOT ( 1 ) BLOCKED IN ERROR, ( 2 ) NOT DEMANDED FROM BLOCKED DUE TO MATERIAL MISREPRESENTATION, ( 3 ) I DID NOT RECEIVE OR OBTAIN POSSESSION OF GOODS, SERVICES, OR MONEY FROM TRANSACTIONS. Please see exhibit ( s ) regarding my request to have these deleted per 15 USC 1681C-2 and another exhibit where they declined my request multiple times and verified as accurate. I am telling Experian that these accounts are FRAUDULENT and Experian is REFUSING to REMOVE these items. 
These items are STILL unlawfully showing up on my consumer file as reporting and coming back verified and Experian DENYING my demand for block of information. Please see exhibit ( s ) for current Experian credit report thats dated XXXX  for all of these above accounts still negatively affecting my consumer report. 
My rights to privacy have also been violated per 15 USC 1681, they have not deleted these accounts when the other CRAs ( XXXX and XXXX ) have deleted them per 15 USC 1681 ( D ), they have unlawfully refused my demand for a block of information on my report per 15 USC 1681 C-2, and they have NOT responded to my DISPUTE in OVER FIFTEEN ( 15 ) days for the Reinvestigation after these accounts came back verified per 15 USC 1681i ( a ) ( 7 ). Per 15 USC 1681i ( a ) ( 7 ), A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
Referring to CFPB complaint # XXXX, the reinvestigation dispute was sent over to Experian on XX/XX/XXXX and XX/XX/XXXX. Experian has been working on this complaint since XX/XX/XXXX and XXXX. However, as of today, XXXX there has been NO response at all from Experian to the CFPB complaint, well over the 15 day allotment per federal law to respond. These accounts in the dispute ( XXXX ) are deemed for IMMEDIATE REMOVAL for FAILURE TO RESPOND in a timely fashion per 15 USC 1681i ( a ) ( 7 ). All of this is causing me intense distress, pain and suffering, and mental anguish. My right to privacy has been violated under federal law. Per 15 USC 1681 section 602, which clearly states, " I have a right to privacy. '' 15 USC 1681 Section 604 states, " A consumer reporting agency can not furnish an account without my written instructions. '' I never consented to these accounts being placed on my consumer report, to begin with. Experian never had permissible purpose under 15 USC 1681 B ( 2 ) to furnish this account on my consumer report. I also never instructed the CRAs ( Experian, XXXX, and XXXX ) to furnish this consumer report and never consented to this report in the first place. I have disputed these accounts to no avail, they keep coming back " verified. '' How were these accounts verified? These accounts are reporting different information on XXXX, XXXX, and Experian and these accounts are fraudulent. These accounts are not fair or accurate. Under the FCRA, I have the right to a fair credit report. I deem these accounts NOT accurate, NOT consistent, and NOT fair. I have disputed multiple times through the CFPB, with no resolution. Experian failed to do a proper independent investigation on my behalf on my consumer file per 15 USC 1681d ( a ) ( 1 ). Per 15 USC 1681d ( a ) ( 1 ) - The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. This was not done on my behalf. Experian did NOT do a proper investigation per federal laws. 
I have submitted multiple complaints on Experian with my first complaint was dated back from XX/XX/XXXX through the CFPB to the current date today XXXX  through the CFPB. Experian did not do its due diligence in a fair independent investigation of these accounts on my consumer report per 15 USC 1681d ( a ) ( 1 ) - If they did, these accounts would have been removed due to all the inaccuracies across the board and due to fraud. 

IN ADDITION to all of these violations, XXXX and XXXX have already DELETED the following accounts from my consumer report due to inaccuracies, and I demand EXPERIAN do the same. The same accounts that are appearing on my Experian Consumer File were deleted on XXXX and XXXX already. Experian needs to follow suit per 15 USC 1681 D. 
ACCOUNTS XXXX ALREADY DELETED : XXXXXXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX ACCOUNTS XXXX HAS ALREADY DELETED : XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX Please see exhibit ( XXXX ) below for proof of said accounts being deleted from XXXX AND XXXX. I'm demanding EXPERIAN file suit per federal laws. Per 15 USC 1681 ( D ) " Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of an investigation that finds incomplete or inaccurate information in a consumers file to other such reporting agencies. '' Per 15 USC 1681 A ( 3 ) - all the ABOVE stated ACCOUNTS on my consumer profile were assumed without my consent and without my permission. Under 15 USC 1681, A ( 4 ) EXPERIAN was unfair and partial. I have already filed multiple CFPB complaints as well as a Federal Trade Commission Complaint ( FTC ) on this behalf. EXPERIAN never had a permissible purpose under 15 USC 1681 B ( 2 ). I also never instructed the any of CRAs ( Experian, XXXX, and XXXX ) to furnish this consumer report and never consented to this report in the first place. 

Due to the intensity of needing to dispute information on my consumer report and not hearing a response in a timely fashion, Experian has caused me mental anguish, XXXX, heartache, distress, pain, and suffering. I have been denied credit card applications due to these fraudulent accounts being on my report, I have been denied vehicle loans and the auto loan I did get on my truck resulted in a VERY high interest rate of 24 %, I have been denied additional lines of credit, I have been denied increased credit card limits, I have been denied a mortgage for a home for my family. ALL of this is due to this company ( Experian ) fraudulently reporting on my behalf without my verbal or written consent. I have endured years upon years of continuous denial, along with pain and suffering from Experian and their impermissible reporting of information on my consumer report. Not only has this company caused pain and suffering, they are also preventing my family from getting a home via a mortgage loan, being unable to refinancing my vehicle loan to a lower interest rate to save money, and not being able to obtain new credit cards with better rates. Clearly, I have been severely impacted by this company. This is also a defamation of character on my behalf. These accounts being reporting on my consumer file wrongfully and non consented are a false statement of who I am as a human, a person of society, and a career driven mother. 

Experian typically has 30 days per the FCRA from the date of the dispute to verify that the information is accurate and correct. If Experian fails to do a complete independent investigation or fails to respond to the dispute with the results of the dispute in a timely manner ( more than 30 days ) - It is required to DELETE all accounts in question from said dispute. If there is no correction made on your Experian dispute results after 30 days, the FCRA grants me the right to sue Experian for their damages and the right to have these accounts deleted from my consumer file. I am exercising my rights to have these accounts deleted for the multiple violations made on my behalf. Moreover, I am requesting these accounts my removed immediately due all of these violations. If Experian ignores this complaint just like the other complaints, I will not hesitate to take this matter to a federal complaint and/or a lawsuit for the damages done on my behalf. 

Please see attached exhibits below for proof of timeline and paper trail.

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