Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PROOF OF CLAIM. Experian failed to make sure they took proper procedures to make sure my report was accurate, it was obviously an admission of guilt when the derogatory accounts, addresses, personal information and hard inquires was deleted after they claimed they " verified '' the account. I've attached the proof for this belligerent neglectful action by Experian causing me emotional and physical damage, I was stressed, Depressed and had a XXXX for weeks as my report had false reports on it and I couldn't get approved for anything it just felt like I was getting stabbed in my back repeatedly since they were reporting unverifiable accounts that they reported without my written consent pursuant to 15U.S.Code1681b- Permissible purposes of consumer reports, this is also identity theft because again I GAVE NO WRITTEN CONSENT FOR THE INFORMATION REPORTED. I am entitled to {$1000.00} per violation pursuant to 15 U.S.Code 1681n- Civil liability for willful noncompliance of the FCRA . In reference to the proof that I attached from my credit report you can see the before and after dates of the reporting day showing proof of the items there before and then later being deleted when I filed a dispute. The following accounts are the violations that were verified then later deleted or just deleted. 

XXXX XXXX XXXX Acct # XXXX was " verified and updated '' on XX/XX/year> but later deleted on XX/XX/year>, after a dispute. XXXX Acct XXXX XXXX was " verified and updated on XX/XX/year>, and was later deleted on XX/XX/year> after a dispute. 

There were 10 unauthorized and unrecognized hard inquires that were deleted, 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 AND XXXXM PUTTING EMPAHSIS ON THIS Experian did a very poor job complying with the requirements of the FCRA pursuant to 15 U.S. Code 1681e- Compliance procedures there was No accuracy of the so-called verified accounts that were deleted whatsoever. Pursuant to 15 U.S. Code 1681c- Requirements relating to information contained in consumer reports, they completely neglected the fact that in subsection ( A ) ( XXXX ) " Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Several multiple adverse items were " verified '' then deleted or just deleted. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedure under this title.

Personal information was all messed up like how bad it can get? they had my name as " XXXX XXXX '' how do you even get that messed up? more importantly why is that name even being reported that's not even how you spell XXXX!! again, blatant disregard for one 's personal information and life considering my credit report is my life basically, how about get real people to verify instead of a robot just matching up address IDs?!?!?!? and then the next name that was deleted didn't even include my last name it literally makes it seem like my last name is XXXX when it's not it's my middle name. like c'mon just " XXXX XXXX '' WHAT IS THAT. 

Lastly are all the addresses that were verified and deleted or just deleted, I'm not adding all of this in this complaint again look at the attachment that I added to the complaint. I am the aggrieved party so without a doubt give me my remedy for the bold disrespect, neglect and blatant violation of the FCRA that Experian BY LAW is mandated to comply with but IS NOT COMPLIANG WITH AT ALL.

IF YOU COUNT THERE ARE 16 VIOLATIONS that were " verified '' and then deleted or just deleted. MY PROOF OF CLAIM IS ATTACHED THIS IS EXPERIANS ADMISSION OF GUILT BECAUSE IT WAS DELETED. 

AND ALSO UPDATE MY REPORT, EXPERIAN HAS REFUSED SINCE XX/XX/XXXX TO UPDATE MY REPORT TO CURRENT BECAUSE OF AN " ADDRESS '' THAT I SPECIFICALLY GAVE AND PROVED IN A RECENT COMPLAINT AND THEY STILL DIDNT UPDATE IT BUT YET THEY CAN UPDATE FALSE INFORAMTION THAT CAN'T BE PROVED!! I ATTACHED MY DRIVERS LICENSE MY SOCIAL AND MY UTILITY BILL TO VERIFY THE CORRECT ADDRESS THAT SHOULD BE ON MY REPORT PLEASE UPDATE THIS INFORMATION AND MY REPORT ASAP

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