Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION FRAUD DEPT : THIS IS AN OFFICIAL NOTICE OF FRAUD IN YOUR METHOD OF ASSEMBLYING AND EVALUATING CONSUMER REPORTS WITHIN THE GUIDELINES OF THE FCRA. THIS IS YOUR ONLY OPPORTUNITY TO CURE WITHOUT LITIGATION AND BILL FOR DAMAGES. 
This letter is to officially address the fact that XXXX, as a NCRA is in dishonor and has not been fulfilling your obligation to ensure accuracy and fairness in your evaluation of many consumer reports according to the investigation done by the Select Subcommittee of the Coronavirus.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system and UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLICS CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM.

To be clear your company exists for one reason and one reason only. Per 15 USC 1681a to lawfully evaluate and assemble consumer reports under the direct supervision of the CFPB. Not to play bill collector and allow corporations to illegally furnish protected and excluded information about consumers. Things that have clearly been stated in the Fair Credit Reporting Act that should be EXCLUDED such as transactions and experiences. To be clear the only transaction or experience I can have with a corporation would be an account balance, late payments and credit utilization. I demand all late payments be removed and updated to current, also that my utilization be brought below 25 % and account balances to {$0.00} for them to keep reporting.

At this present moment and for some months now you have been negatively affecting the banking system by reporting the following inaccuracies. I have disputed these things previously to no avail but recently learned that your agency has been under investigation by the Select Subcommittee of the XXXX XXXX. Attached is a letter dated XX/XX/XXXX including links to websites showing stats of how you have been unlawfully discarding consumer disputes or not addressing them at all. I have enclosed a few pages with highlights just in case you act clueless. An investigation was done showing that your company also failed to respond to consumer disputes or offer a resolution and the numbers have more than doubled since XXXX. 
This behavior is unacceptable, and I will be researching more to see how to initiate a lawsuit against you for willful noncompliance of not only FCRA but also FDCPA. These furnishers have been using my consumer report as an attempt to collect on a debt through a third party without my written consent or knowledge which by definition is identity theft. Per 15 USC 1681c-2 this information needs to be BLOCKED AND REMOVED FROM REPORTING. If in fact these items continue to report the fees requested will double. This is your final opportunity to cure this situation outside of federal courts. I also demand compensation for my identity and personal information being breached in your most recent breach in XXXX. You have no idea how leaking my information has affected my life. 
Furthermore, I received a copy of my credit report and found the following item ( s ) to be in error, remove them within the next 4 days per FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo report this company as they are reporting a charged off transaction that has been charged off and I am claiming as income with a 1099c that was issued for the credit. According the the FCRA income is not to be reported on a consumer report, so this is a direct violation of my rights as a consumer. Remove this item. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I mean a REAL INVESTIGATION per FCRA. NOT you just taking the word of a someone I am accusing of fraud. That doesnt help the consumer and is illegal to say the least. It is my understanding that you will recheck these items with the creditor who has posted them and MUST receive proof that I gave my written consent. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the FCRA, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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