Consumer complaint received 2024-09-02 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: IL

Complaint narrative:
To Whom It May Concern, I recently conducted a thorough review of my credit report, and I was deeply disturbed to find several unverifiable, invalidated, inaccurate, and questionable items reported by your organization. These errors are not only unacceptable but have also caused me significant distress. Under 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. Additionally, XXXX  U.S. Code 1681i ( 5 ) mandates that if any disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. Therefore, if you can not provide verifiable proof of the following items within XXXX  days, you are required by law to remove them from my credit report immediately. 

Disputed Items : XXXXXX/XX/XXXX- XXXX - You violated 15 U.S. Code 1681b regarding permissible purposes of consumer reports. I never gave written consent for any information to be reported. By law, you must delete these accounts immediately, or I will pursue monetary damages in small claims court. This matter has also been reported to the CFPB, Attorney Generals Office, XXXX, and FTC.

XXXX XXXX XXXX  - XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXX/XX/XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXX/XX/XXXXXXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Aren't you required to complete these investigations within XXXX  days of receipt? I have heard of companies pulling people 's credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : XXXX XX/XX/XXXX This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under 15 U.S.C. 1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately! 

XXXXXX/XX/XXXX XXXX This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under 15 U.S.C. 1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately! 

XXXX - XX/XX/XXXX This company pulled my consumer report without my consent or a permissible purpose, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under 15 U.S.C. 1681q, obtaining consumer information under pretenses can result in fines or imprisonment. This breach of my privacy is unacceptable. Delete this from my report immediately!

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