Consumer complaint received 2024-11-26 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: WI

Complaint narrative:
Description of reinvestigation -- -Experian -- XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX This my second written request. My first request letter was sent on date [ XX/XX/year> ]. Your response to my request was that the information has been verified. How was the result of your investigation verified Reasonable and impartial and fair. Persuade to 15 USC 1681i You never provided identification of any information required to do the investigation. I'd never received a standardized for describing driving the general nature of such investigation. What information did you use to come to a conclusion that this information was verifiable? Did you use the information the information I provided to you in consideration of your decision making? You must investigate each according to the procedure, Pursue it. to 15 USC 1681 ( a ) ( e ). What information did you use to modify such information is reasonable and fair. Did you use information directly received directly from me, the consumer, or were you dependent solely on he information provided by the Furniture. The ACDV Verification form Receive from the consumer was not reporting the correct information. The information reporting on my consumer credit report is not following the industry standard code. How did you conduct your investigation? According to 15 u s c 1681 ( a ) ( e ) Investigative Consumer report, you must provide me with proof of the reinvestigation. provided information obtained Through personal interviews with the neighbors friends or associates who may have knowledge concernand such items of investigation. Any creditor furnishing information To a consumer reporting agency must sign a disclosure form from me the consumer stating that I, the consumer, gave them permission to report. Signed disclosure forms should be attached to the reinvestigation process. Please explain how this information is verified if you are not providing the signed disclosure forms from the creditor furnishing the information.

This is not a reasonable investigation process when some of the information from the investigation is missing! The information furnishing on my consumer file is not accurate or fair. This information reporting is in clear violation of my rights. I have sent you proof of the violations of the violations in my consumer file, and you continue to report inaccurate information on my consumer report. Furthermore, you have failed to protect my rights to privacy and to exercise your grave responsibility with fairness and impartiality according to 15 usc 1681. Consumer report agencies have assumed a vital roll in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure the consumer reporting agencies exercise the grave responsibility with fairness and impartiality in respect for the consumer privacy. This is my last and final request for the description of the Reinvestigation procedure. If you are not able to provide proof of the reinvestigatiof the process according to 15usc 1681 ( a ) ( e ) or provide the signed disclosure forms. I need the forms from the creditors furnishing the information according to 15 usc 6802. If you can't provide me with that information, you must delete this frivolous informationr reporting on my consumer file.The information reporting on my consumer file is reporting inaccurate, and I have the proof that it is not correct. I'm very aware of the civil liability available to me for your negligence. I also submitted a Wisconsin Trade and Consumer Protection complaint # XXXX and submitted a FDIC report XXXX and a FTC Report # 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 non-monetary relief