Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

The below-listed inaccurate accounts and addresses that third-party Experian is reporting shall be removed. 1. ) Non-Mailable, Wrong, and Inaccurate Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. XXXX. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX, MI XXXX. XXXX. ) XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX. XXXX XXXX XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 
XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX. 
XXXX. ) Child Support XXXX XXXXXXXX : Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX 
Under the FDCPA, 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

All Inquires shall also be removed according to the FDCPA1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.

( Pub. L. 90 321, title VI, 604, as added Pub. L. 91 508, title VI, 601, Oct. 26, 1970, 84 Stat. 1129 ; amended Pub. L. 101 73, title IX, 964 ( c ), Aug. 9, 1989, 103 Stat. 506. ) Amendments 1989-Par. ( 1 ). Pub. L. 101 73 inserted ", or a subpoena issued in connection with proceedings before a Federal grand jury '' before period at end.

Section Referred to in Other Sections This section is referred to in sections 1681a, 1681e, 1681f, 1681s 1, 1692d of this title. ]