Consumer complaint received 2024-07-23 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: IN

Complaint narrative:
1. I have notified XXXX XXXX, XXXX XXXX, and EXPERIAN multiple times of many different violations from multiple furnishers. On XX/XX/year>, I sent multiple letters enforcing my rights, as a federally protected consumer, notifying companies that Ive opted out of them furnishing information to crediting reporting agencies. I have opted out of any and all authorizations I may have given, whether written, unwritten, verbal, or non-verbal, per 15 USC 6802. This is also known as the Gramm Leach-Bliley Act, which is codified in 16 cfr 313. This decision became effective immediately and indefinitely on XX/XX/year>. After lack of responses I filed CFPB complaints OnXX/XX/2024.The following companies are the ones that have been put on notice of me opting out : XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NE XXXX Opt-Out of all data being furnished by all accounts. 

XXXX XXXX, XXXX ATTN : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, VIRGINIA XXXX Opt-out of all data being furnished from charged off/closed account ending in XX/XX/XXXXand opt out of XX/XX/XXXXXXXX reporting all utilization of account ending in XX/XX/XXXX. 

XXXX XXXX SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, NY XXXX Opt-out of all data being furnished from charged off/closed account. 

2. Each of these companies have invaded my privacy according to the Privacy Act of 1974.specifically under 15 U.S.C. 552a and 34 CFR Part 99. 

3. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed. This means that XXXX XXXX and XXXX XX/XX/XXXXSERVICES have been reporting inaccurate information which is a violation in accordance with XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXXis reporting as XX/XX/XXXX to XXXX and EXPERIAN but XXXX XXXX XX/XX/XXXXXX/XX/XXXXto XXXX . This means XX/XX/XXXX have in fact violated 15 usc 1681 and 12 CFR 1022.20 once again for furnishing inaccurate information. 

4. I refuse to pay XXXX, XXXX XXXX, and XXXX XX/XX/XXXXXX/XX/XXXX. 15 USC 1692c clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt, the debt collector must cease all communication. If XXXX, XXXX XXXX, and XXXX XX/XX/XXXX continue to report to any credit reporting agency from this day forward, it will be considered communication. 

5. Each day that XXXX, XXXX, and EXPERIAN continue to report these accounts,, it causes me, the federally protected consumer, great harm, damage, distress, and injury. XXXX has updated the Credit Reporting Agencies that the accounts are current and increased in balance on XX/XX/year>, AFTER Ive opted out and the accounts are in the midst of an investigation. This has declined my profile significantly and continues to cause me great pain and harm. 15 U.S.C. 1681i ( a ) ( 2 ) states that When a consumer disputes the accuracy of any information in their file, the consumer reporting agency must mark the disputed information while conducting the investigation. This is also codified in 12 CFR 1022.43 ( f ). This is another harmful violation. This is putting salt on an open wound. XXXX and EXPERIAN have mailed Dispute Results but nothing has changed at all. Whats worse is the fact that they have not shared these so-called results to the Consumer Financial Protection Bureau .

6. After showing the Credit Reporting Agencies my opt-out notices they have continued to report, This is now discrimination against me for exercising my federal protected rights pursuant to 12 cfr 1022.140. 
7. Im hoping that with this letter, XXXX, XXXX, and EXPERIAN can finally be held accountable for their actions and violations. This notice is effective immediately to ensure compliance with federal laws.

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