Consumer complaint received 2025-01-16 00:00:00
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.
State: FL

Complaint narrative:
Dear Experian, I have meticulously scrutinized my credit report and noticed there are several items that have failed to meet the requirements for validation. I am entitled to correct information. I have one name and one address, but Experian reps refused to make corrections when phoned. 
Furthermore, Experian fails to report correct, fair, complete information and adhere to 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) ( b ), 5564, and 5565. Experian violates both Acts by failing to reasonably reinvestigate consumer disputes challenging the accuracy or completeness of information in consumer reports, including by failing to forward all relevant information to furnishers, failing to provide adequate or accurate notice to consumers of the outcome of their disputes, and failing to utilize reasonable procedures to ensure the accuracy and completeness of information in consumers files. 

The following negative accounts : XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX - collection - disputed XX/XX/XXXX / XX/XX/XXXX were not supported with XXXX. Full payment history XXXX. Date of last payment XXXX. Date of delinquency XXXX. The original signature that I agreed to on the contract for this creditor XXXX. Has there been any insurance claim found on this debt? XXXX. Chain of assignment contract XXXX XXXX - charged off account per company 's statement, yet an amount reports for this line item ; this is now income and can not be reported on the consumer report. 

In regards to methods/ procedures used to verify validity - Who did Experian interview regarding each disputed account? How did they come to this determination? 

XXXX XXXX XXXX XXXX  XXXX and their executive team acknowledges receipt of the cease & desists across XXXX ( last notice received XX/XX/XXXX ) which extends to credit reporting agencies which is a medium of communication to the consumer outlined by the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ) and thus subject to cease and desist requirements. Additionally, written notice of revocation of storing, sharing, buying, selling, transferring of any personal information or financial transaction history. Yet you continue to report despite permission being revoked. This is now aggravated identity theft. 

None of the above referenced companies can provide Experian with written proof of my permission to report to my credit profile. 

Such failures by the consumer reporting agencies can have threatens consumer trust in such systems of business, access and attainment of credit, quality housing employment opportunities, ultimately social welfare. 

Thank You

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