Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I noticed information on my cosumer report that is inaccurate and incomplete. During my investigationI realized that my consumer report still has the same inacurate information that I have disputed several months ago and is still being reported on a monthly basis. I was never notifiled by the consumer reporting agencies that are assembling and evaluating my consumer credit and other information about I. According to the Fair Credit Reporting Act consumer reporting agencies are obligated to exercise their grave responsibilities with fairness impartiality, and a respect for the cosumer 's right to privacy. My right to privacy have been infringed upon by the consumer reporting agencies when they assumed a vital role in assembling and evaluating consumer credit. They were not given express permission by I the consumer or a competent court of jurisdiction to issue an order stating that the consumer reporting agencies are obligated to report such information. According to 15 U.S.Code 1681c ( a ) ( 4 ) ( 5 ) No consumer reporting agency may make any consumer report containing accounts placed for collections or charge to profit and loss or any adverse item of information. The FCRA states that a consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that the information that is being obtained is through a personal interview with a neighbor, friend or associate of the consumer or with another person with whom the consumer is aquaineted or who has knowledge of such item of information. They were to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. The consumer reporting agencies failed to provide I with proper service and failed the initial invesigation of the information as they assumed this the was valid in which is a vilolation on my consumer rights. They did not exercise their grave responsibilities, they failed to provide proper service, they failed to conduct a proper investigation to insure accuracy and fainess to I the consumer. Because of this information it has caused severe harm to my reputation and creditwothiness. I trust that the Consumer reporting agencies adhere to its obligations as outlined in the FCRA and properly address this matter with fairness and accuracy. I'm requesting accurate disclosures of the nature and scope of the consumer invesigation report. provide a detailed description of the invesigation, the actions that were taken by your organization. Also provide documentation of my written consent to furnish information on my consumer repor. Accounts are as followed : 1. XXXX BANK, 2. XXXX XXXX XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX, 4.XXXX XXXX,

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