Consumer complaint received 2024-08-12 00:00:00
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.
State: PA

Complaint narrative:
I have an open CFPB Complaint # XXXX that was file XX/XX/XXXX. The company has failed to properly respond to this complaint with CFBP within 30 days. This complaint demanded that the listed information be removed from my EXPERIAN credit report within 4 business days and for my credit report to be updated immediately according to FCRA US. Violating my rights under FCRA 605 ( b ) ( 15 U.S. Code 1681c2 ) -Block of information resulting from identity theft.

I received a dispute result email from EXPERIAN on 07/23/2024 listing that several items have been deleted from my credit report. Which they did. 

Today XX/XX/XXXX the following items affect my Experian credit score by XXXX points just today XXXX XXXX XXXX-account was deleted XXXX reinserted to my EXPERIAN credit report XX/XX/XXXX XXXX Although initially deleted due EXPERIANs claim of a completion of a thoroughly conducted investigation for this item been connected with identity theft and fraud. Failing to give me a proper notice within 5 days of receiving the information Furnished by XXXX XXXX. 

- Experian will not allow me to dispute this account again. 

DEPTED/XXXX- 11 of these items in CFPB Complaint # XXXX to be removed from my account due to reporting inaccurate information and the creditor having an incorrect birthday on file. Experian failed to complete investigation of these items within 30 days. 
- I contacted XXXX and was advised that the FTC provided them with my report and my XXXX account status has been placed in an XXXX  Identity Theft Forbearance. Triggering monthly payment and accrued interest to be negatively reported on my report. Even though I was on an Income Driven Repayment plan with XXXX with a $ 0 monthly payment. 
- XXXX still has the incorrect date of birth on my file. 
- EXPERIAN failed to investigation and remove these accounts from my credit report within 30 days. 

Also, on CFP Complaint # XXXX, I asked for several fraudulent Hard Inquiries to be removed. Experian emailed me XX/XX/XXXX stating all Fraudulent inquiry to be removed. EXPERIAN failed to remove the following Inquiries : 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 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 XXXXXX/XX/XXXX Due to the reasons listed above in this complaint EXPERIAN is in violation of my right under the following FCRA laws : XXXX. FCRA 605 ( b ) ( 15 U.S. Code 1681c2 ) -Block of information resulting from identity theft. 
XXXX. FCRA 15 USC 1681i ( 5 ) ( b ) ( i ) 3. FCRA 15 USC 1681i ( 5 ) ( b ) ( ii ) 4. 15 USC 1681 Section 602 ( A ) - Right to Privacy 5. 15 USC 1681 Section 604 ( A ) Section 2- States a consumer reporting agency can not furnis15an account without my written consent and instructions. 
XXXX. Defamation of Character 7. Negligent Enhancement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation under 15 U.S. Code 1681o- Civil liability for negligent non compliance XXXX. Violation under 15 U.S. Code 1681n ( b ) - Civil liability for willful non-compliance XXXX. Failing to comply with 15 U.S. Code1692 ( g ) 12. Violation under 15 U.S. Code 1681b- Permissible Purposes of Consumer Reports 13. Under 15 U.S.C 1681i ( 7 ) - Method of Verification 14. Violations under U.S.C 1681a ( 4 ) - Right to Privacy 15. Violations under 15 U.S. Code 1681c- Requirements Relating to Information Contained in Consumer Reports. 
FCRA15 USC 1681n 15 USC 1681n ( 1 ) ( a ) and ( b ) Civil liability for willful noncompliance and FCRA 15 USC 1681n ( 2 ) ( b ) -Civil liability for knowing noncompliance states : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
These violations have caused me financial burden. I am exercising my rights under of the FCRA laws listed in this complaint. I am demanding that EXPERIAN provides me the consumer both monetary damages up to the maximum of {$1000.00} per violation ( {$15000.00} ) and non-monetary relief by PERMANENTLY REMOVING ALL ITEMS from CFPB response to complaint # XXXX and for my CREDIT REPORT to be updated within 4 business days of this complaint. And lastly, for EXPERIAN to notify and contact me WHEN ALL PREVIOUSLY REMOVED and NEW CREDITORS FURNISH EXPERIAN INFORMATION BEING ADDED TO MY CREDIT REPORT TO CONFIRM ACCURACY BEFORE REPORTING!

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