Consumer complaint received 2022-07-20
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:
I recently filed a CFPB complaint against Experian, and they did not handle this matter fairly and equitably. I recently received the dispute results and noticed that Experian deleted only XXXX ( XXXX ) of the XXXX ( XXXX ) accounts. Although I am grateful for the progress, I can not seem to fathom why they failed to remove the other remaining XXXX ( XXXX ) items ( listed below ) when all of the disputed information encompass the same exact issue! What made one disputed item any different than the other?? By the way, Experian violated 15 U.S. Code 1681i. They have not responded to any of my recent dispute requests, nor conducted any investigations prior to me filing a CFPB complaint. I have received XXXX correspondence from them, yet, all of my certified dispute letters were received and left with agents of their company according to USPS tracking. Experian has not been operating with fairness, and that alone is grounds for removal of the disputed items. Also, the following financial institutions violated 15 U.S. Code 1681s2 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The law clearly states that the furnisher 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. I submitted information that I did not reasonably find to be accurate, and the furnishers did not cease, or temporarily cease, the furnishing of the disputed information to the credit reporting agencies! The law states that is a prohibited action! Furthermore, 15 U.S. Code 6802, states that these financial institutions are required to provide me with a clear and conspicuous form or notice, or otherwise, choice to opt out of sharing my private nonpublic information. It also states that the consumer is to be given an explanation as to how to exercise that nondisclosure option. This choice was taken from me and I did not have the opportunity to exercise my right to choose for, or against, wanting my private nonpublic information to be disclosed to nonaffiliated third parties, such as XXXX, Experian, and XXXX, and others. I never provided my expressed consent to any of these financial institutions, and no consent is identity theft! I filed an FTC report [ See attached ]. I also must note that 15 U.S. Code 1681a ( 2 ) states that transactional information or experiences between the consumer and the furnisher are to be excluded from credit reporting. Since I did not consent to opt into credit reporting, I would appreciate the removal of the disputed items! Lastly, according to 15 U.S. Code 1681, Experian, and the aforementioned financial institutions are impeding the banking system. Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. All consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They are also to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. That is how it is supposed to be, but I am experiencing the exact opposite! For a long time I have suffered greatly, mentally and emotionally, due to the willful noncompliance of federal law by Experian and the financial institutions listed. I am keeping immaculate record of my communication and experience.

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