Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am in desperate need with help from the CFPB Ive been suffering with XXXX and mild XXXX for the last nine months going back and forth with Experian trying to resolve these issues in many different ways with my credit for over nine months only to receive evasive and computer generated templated results. I have requested my transaction history to be deleted Under F R C A 15 U S C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states ( 2 ) Exclusions -Except as provided in paragraph ( 3 ) The term Consumer Report does not include- ( a ) Subject to section 1681-3 of this title any- ( i ) Report containing information solely as to TRANSACTIONS or EXPERIENCES between the Consumer and the person making the report. 
Back on XX/XX/XXXX I mailed a certified letter to Experian stating that in accordance with the FCRA they have violated my rights to privacy 15 U S C 1681 section 602 which states I have the right to privacy And Under 15 U S C 1681 section 604 A also states a Consumer Reporting Agency can not furnish my account without my written instructions. These accounts were indicated in this letter XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX In XXXX XXXX an electronic letter was issued in response of my request from Experian only to say Disputed information updated and other information updated, very much on the Contrary of my request. I started checking my credit monitoring reports to see if any changes for over 90 days and nothing but inaccuracies and incomplete information. 
On XX/XX/XXXX a second letter was sent out notarized and certified in regards to XXXX XXXX XXXX XXXXXXXX XXXX my request was to delete the account lateness I requested that this account be investigated pursuant 15 U S C 1681 ( i ) - PROCEDURE IN CASE OF DISPUTED ACCURACY ( 6 ) Notice of results of reinvestigation ( B ) CONTENTS ( iii ) a notice that, if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
In XXXXXXXX XXXX XXXXXXXX an electronic letter was written to me from Experian only to state that the investigation results stated DISPUTE INFORMATION UPDATED once again with evasive tactics violating every law I stated in my letter which will be included with my documentation of evidence. 

On XX/XX/XXXX Another letter was sent notarized and certified requesting to delete non-verifiable late payments and inaccuracies in violation per 15 U S C 1681 e ( b ) Whenever a Consumer Reporting Agency prepares a consumer report it shall follow reasonable procedures to assure maxim possible accuracy of the information concerning the individual about the report relates All accounts in this letter was listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

once again with evasive and stall tactics I have received in XXXXXXXX XXXX XXXXXXXX an electronic response to the investigation procedure as it stands now today as updated

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