Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, I received an email from Experian today that their ( XXXX ) " reinvestigation '' to the inaccuracies are " completed ''. Experian is willfully harming and destroying my reputation by keeping the negative items on my report. This is the third time I am sending a complaint ; and they are doing a reinvestigation ; but failed to disclose the method in which they came to that conclusion.

They are willfully violating the Fair Credit Reporting Act ( FCRA ) which states '' " 15 USC 1681 " ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
Please disclose what elaborate mechanisms one has used to verify the information. Under what mechanisms have they used to verify the information? Are they incompetent?. who is investigating my disputes, is there a real life person? when the laws are stated in my disputes indicating they are violating the law ; are they willfully DISRESPECTING the FEDERAL LAW ( FCRA ). 
The term Bureau means the Bureau of Consumer Financial Protection. Experian who are you and what are you gives you the right to furnish my information. what LAW gives you the right to do what you do? I have stated federal laws but seem to fall on deaf ears? please inform what gives you the right to do what you do. XXXX XXXX is the CEO maybe I might be missing something. you are an agency so what law gives agencies the right to furnish a private man or woman information without their permission. you are adamantly fighting to keep negative info on my report without any knowledge of me.

15 USC 1681 " ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; This is the response you gave to my dispute : " Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. '' Do you not understand that you can not go to the furnisher of the information in attempts to verify according to 15 usc 1681 ( iii ). I have accounts with all those credit card companies and the question do I owe a debt? or have late payments? send me a debt validation letter. disclose the information you used to verify the accounts as accurate? produce documents, proof, my identity, financial statements, and evidence. I would like to know how you came to that conclusion? you know a charge off account is considered a certificate of indebtedness, which is income. You CAN NOT report INCOME On my report! 

If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
When have you given me disclosure before reporting my information? Experian do you have any affiliation with credit card companies? please let me know! disclose what relationship you have with these credit companies. are you engaging in conspiracy to defraud me and destroy my reputation. Do you not know that the credit card companies have in their agreement that they will not disclose my info to a third party? are not a third party? what relationship do you have to publicise my private information. what license do you have to report my information?

15 USC 1681i ( exclusions ) " report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' you can not report late payments on my consumer report utilizations and they need to be corrected as paid in full. I am instructing you not to delete them but correct the inaccuracies. 
all late payments corrected to be paid in full. what part of you can not report experiences and transactions. how do you understand what an experience and transactions is? how will you define those terms and how you came to that conclusion?

when 18 usc states " 18 USC 8 " The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXXXXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. how do you understand this code above. its pretty clear any obligation is owed to the United States. so if all obligations like bills are owed to the United States then how do I owe a debt? do you not care and are just ignoring the laws that you are supposed to follow. 
CFPB recently filed a lawsuit XX/XX/XXXX in XXXX XXXX XXXX for the XXXX XXXX XXXX California, docket number XXXX. in the lawsuit it claimed " he Bureau alleges that Experian violated FCRA by failing to properly conduct reinvestigations of disputed information in consumer credit files; failing to delete inaccurate, incomplete, or unverified information in consumer credit files; failing to provide adequate written notice to consumers of the results of its reinvestigations; failing to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failing to follow reasonable procedures to assure maximum possible accuracy of the credit information Experian reports on consumers. In addition, the complaint alleges that Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 1 ) failing to convey consumers disputes to furnishers fully and accurately, and instead distorting, truncating, and mischaracterizing consumers disputes ; ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability ; and ( XXXX ) improperly reinserting tradelines into consumer credit reports due to its practice of failing to adequately match newly reported tradelines to tradelines that were previously deleted as a result of a dispute if the subsequent furnishing was from a new furnisher. The Bureau seeks, among other things, to bring Experian into compliance with the law, consumer redress, and the imposition of civil money penalties. '' This lawsuit summarizes everything That I have stated and complains about. the information received from the furnisher is unreliable and it's not a proper way to conduct an investigation. It's a lazy and improper way to do an investigation. the furnisher is not an absolute because they are also engaging in the fraud. 
NO REGARD OF THE LAW

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