Consumer complaint received 2024-09-17 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: NC

Complaint narrative:
EXPERIAN DO NOT CLOSE OUT THIS COMPLAINT WITHOUT PERFORMING YOUR DUTIES CORRECTLY ACCORDING TO THE FCRA. 

*Permissible purpose : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury **Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
***Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence. 
****Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. 
*****Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. 
******Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

ALL OF THIS INFORMATION HAS BEEN PROVIDED TO EXPERIAN AND THEY STILL FAIL TO COMPLY WITH THE REGULATIONS THAT HAS BEEN SET IN PLACE. 

I am filing a formal complaint against Experian for reporting incomplete and inaccurate information to my consumer report. I have requested on many occasions to have this account that they are freely allowing to be reported to my consumer report. This account with XXXX XXXX XXXX XXXX has been nothing but a nightmare and has caused my anxiety level to be above my normal stress level. So, I am asking for the CFPB to assist with having the account with XXXX XXXX XXXX properly reinvestigated and to have Experian to provide me with the information I have requested in my previous complaint and if they can not produce the information, I am requesting to have this account deleted with no reappearance on my consumer report. I have submitted sufficient evidence of how and why the account is deemed as being inaccurate and incomplete. I have suffered great damaged to my credit worthiness and credit standing due to the way this account has been reported to my consumer profile. As a federally protected consumer I have the right to PRIVACY and my PRIVACY HAS BEEN IMPEDED UPON. I have NEVER given any written instructions to give my consumer report to ANY person nor have I been provided with any court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury. What right do Experian have to release my consumer report to XXXX XXXX XXXX XXXX? When did it become okay to just overlook the rights of a consumer and when has it ever been ok to disregard the laws that has been set. I am demanding that this account be deleted from my consumer report and ALL INFORMATION I HAVE REQUESTED FOR REVIEW. I AM ASKING FOR THE PROCEDURES THAT WAS TAKEN TO EVALUATE THE INFORMATION THAT WAS PROVIDED. I HAVE THE RIGHT TO FAIRNESS AND ACCURACY WHEN IT COMES TO CONSUMER REPORT.

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