Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
According to the Dodd-Frank Act, Title X of this act created the Consumer Financial Protection Bureau as an independent agency within the BOARD OF GOVERNORS of the Federal Reserve System . The CFPB regulates the offering and provision of consumer financial products and services under Federal Consumer Laws. 
The Purpose of the CFPB is to ensure that the federal consumer financial laws are enforced consistently so that I, a federally protected consumer may access markets for financial products, and so that these markets are FAIR, TRANSPARENT, AND COMPETITIVE. 
In Experians prospective dated : dated XXXX XX/XX/XXXX, it states : Experian could lose its access to credit and other data from external sources which could prevent Experian from providing its products and services. Experian relies upon data from external sources, including data received from customers, strategic partners, and various government and public record services. Experians data sources could withdraw their data for a variety of reasons, and Experian could also become subject to legislative or judicial restrictions on the use of such data, in particular if such data is not collected by the third parties in a way which allows Experian to legally use and/or process the data. Experian does compete with several of its third party data providers. If a substantial number of data sources, or certain key sources were to withdraw or be unable to provide their data, or if Experian were to lose access to data due to government regulation. 

Experian knows they are mandated to follow ALL Rules and Regulations of the Federal Government of the United States, Experian also knows it is a third party that needs my written consent to place anything on my credit report. 
Experian has willfully violated various federals such as the Privacy Act of 1974, The FCRA, and 12 CFR 1016. On multiple occasions I have tried to allow Experian to correct their errors. I have written multiple letters and filed complaints with the CFBP to inform them about the errors as well.

Complaint. 
Experian refuses to correct an accounting of information as required by Federal Law. Last year consumer informed Experian that there was an account that was fraudulent in the consumers report. Consumer have submitted a dispute along with the report. Experian is obligated by the FCRA to report accurate accounting. Consumer has advised that the XXXX XXXX Account was fraud Experian has 4 days according to LAW to remove such account. FTC fraud report was filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine account was indeed authorized by the consumer. Experian had 15 days to provide me with the documentation or the name of the person who they have spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-Oscar report, if Experian does not have documentation to show this account were in fact authorized it must be removed ASAP. Experian is liable under the Security and Exchange Commission to follow certain rules as mentioned above.

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