Consumer complaint received 2024-06-19 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: UT

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian, This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. When did Experian make their own Federal law! Because Experian, continues to break Consumer Federal law with lies of protecting consumer rights to privacy and Accuracy. I have a right to privacy. Their violating my right as federal protected consumer, Congress specifically stated none of this should be on credit report but it is and it's a violation of my rights and since my mailing of disputes to all three Credit Agencies aren't being answered then I know you'll answer through the CFPB. Please provide me proof of any Consumer Law that give you the right to report transaction between me and the lender. I haven't given you no permission under 15 USC 1681 ( b ) to place these transactions on my credit report. 1681c-2 ( 1 ) ( 2 ) ( 3 ) ( 4 ) Identity theft. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. These accounts do not have any numbers to claim their accurate! Experian by law it's unlawful to use information that's submitted by the furnisher of these accounts. Experian is supposed to conduct their own investigations which Experian haven't done at all let 's be serious when they say do! Experian refuse to do their own outside investigation due allowing furnishers to report inaccurate information without proper investigation. This a violation of my consumer rights!

Legal Basis for Dispute : 15 U.S. Code 1681 ( a ) ( i ) ( ii ) : The FCRA mandates accurate and fair credit reporting.

15 U.S. Code 1681 ( 4 ) : Defines the purpose and need for accuracy in credit reporting.

15 U.S. Code 6802 : Addresses the protection of my personal financial information.

15 U.S. Code 1681 ( a ) ( 2 ) : Requires consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce while maintaining accuracy.

15 U.S. Code 1681 ( a ) ( 3 ) : Ensures the maximum possible accuracy of the information concerning the individual.

15 U.S. Code 1681 ( b ) : Defines the permissible purposes for furnishing consumer reports.

12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and 12 CFR 741.6 ( b ) : Pertains to the accuracy and integrity of the information in credit reports.

Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) : States that transactions between the consumer and the person making the report should not be included in a consumer report.

Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) : Further clarifies what constitutes a consumer report.

FCRA 605B and 15 USC 1681c-2 : Provides for the blocking of information resulting from identity theft. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : XXXX XXXX XXXX [ Account Number ] none [ Specific Inaccuracies ] Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) : States that transactions between the consumer and the person making the report should not be included in a consumer report. 
Open Date XX/XX/year> XXXX XXXX Credit [ Account Number ] none [ Specific Inaccuracies ] Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) : States that transactions between the consumer and the person making the report should not be included in a consumer report. 
Open Date XX/XX/year> This information is incorrect and must be investigated and removed. 
Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or e-OSCAR verification methods.

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 ( 1 ) that the foregoing is true and correct.

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