Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

In regarding to CFPB complaint number XXXX on XX/XX/XXXX you responded *************************** " You indicate that fraudulent items are on your credit report. You are requesting to have the disputed items corrected or deleted from your report. Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) and/or public record vendor ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. '' *******************************i have reason to believe and do so believe you have not conducted a reasonable investigation report in accordance with the FCRA Experian XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX Opportunity to cure investigation see exhibit ( a ) i sent a notice of dispute you have responded to my demand to remove account number XXXX from XXXX XXXX BANK XXXX from my consumer report, you have claim to conducted an investigation report please take note pursuant to 603 of the FCRA what an investigation report, i have reason to believe and do so believe you have not conducted a lawful investigation consumer report. 
__________________________________________________________________________________ investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer the investigation report you have prepared and furnished, is not in accordance with the requirement set forth Pursuant to 60XXXX of the FCRA, the investigation report you have prepared and furnished contains certain information that is adverse to the interest i the consumer.You have been negligent in failing to comply fails to comply with 604 ( a ) ( 2 ) under the FCRA, you are required to be fined {$1000.00} pursuant to 617 of the FCRA result of the failure i am requesting in writing the nature and scope of the investigation that was made, such disclosure shall be done in writing Pursuant 606 of the FCRA Your cfpb response you have sent is evidence that you have prepared and furnished and investigation report You have prepared an investigative consumer report, With adverse information ( account name and number ) in the consumer report that was included in a subsequent consumer report without such adverse information being verified in the process of making such subsequent consumer report your in violation of 614 ( d ) ( 4 ) of the FCRA, Your actions willful noncompliance of the requirement imposed under the FCRA, holds you liable to i the consumer and you are required to be fined {$1000.00} pursuant to 616 of the FCRA result of the failure, you have failed to maintain reasonable procedures designed to limit the furnishing of consumer reports to the purposes listed under 604 ( a ) ( 2 ) of the FCRA, you have failed to follow the requirements sent forth pursuant to 607 of the FCRA, Your actions willful noncompliance of the requirement imposed under the FCRA, holds you liable to i the consumer and you are required to be fined {$1000.00} pursuant to 616 of the FCRA result of the failure, XXXX XXXX - never gave you Experian the written instructions to furnish a report on my behalf, You have no permissible purpose Pursuant to 604 ( a ) ( 2 ) of the FCRA to furnish any report on my behalf,. You have been negligent in failing to comply fails to comply with 604 ( a ) ( 2 ) under the FCRA, you are required to be fined {$1000.00} pursuant to 617 of the FCRA result of the failure Experian You have obtained my information which is prohibited 604 ( f ) ( 1 ) ( 2 ), Experian you have obtain a consumer report for a purpose that is not authorized to be furnished under a permissible purpose and you have no certified purpose pursuant to 607 of the FCRA as user of my report though any general of specific certification Experian your actions willfully fails to comply with any requirement imposed under the FCRA, are required to be fined between 100,1000 pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) result of the failure Pursuant to 618 of FCRA i can take action to enforce liability for failure to follow the requirements created under the FCRA based on your actions which this lawsuit may be brought in any appropriate United States district court, without regard to the amount in controversy, or in any other court of competent jurisdiction, With Explicit Reservation of all Right, Without Prejudice UCC 1-308. 

SS # : XXXX XXXX XXXX