Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Dear CFPB upon looking over my Credit report i noticed some things that are incomplete and not accurate. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In XXXX of 2023 I sent a letter to all XXXX credit bureaus asking for an investigation I never received a response and of XXXX  2024 ive noticed that nothing has been updated so clearly that means that an investigation was not done properly nor has the information like provide a break down of how this credit is mines as well as provide my signature on a contract that holds me responsible for these debts that are reporting as charge off not to mention proof that they are license in my state to try and collect a debt. If you look at the information below as far as my credit report they are so many discrepancies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

There are some other things I also noticed Im getting different letters from different collection companies about the same debt and they are reporting on my credit along with the creditor. In my eyes I think if the original creditors sold the debt to a collection agency why would they both be try to collaborate a debt? Or report on my credit as if its different companies. Thats hurting my credit as well as I dont have any knowledge of these companies. There are breaking Federal law. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 accurate. A3 According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.XXXX ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you help me to fix this problem.