Consumer complaint received 2024-12-08 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: WV

Complaint narrative:
I recently received a copy of my credit report from Experian, XXXX, and XXXX and I noticed some late payments posted on my report. 

XXXX. XXXX XXXX XXXX Account number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number # XXXX Your company ( s ) ( creditors and credit bureaus ) is in clear violation of the law. Under 15 USC 1681b-permisable purpose of consumer reports, The LAW CLEARLY STATES ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give my written instructions to furnish these accounts on my credit report.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). Exclusion from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) consumer report does not include ( A ) Subject to 1681s-3 of this title any- Report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report, the creditors and the credit bureaus are in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referred accounts and send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company, for which I will also be seeking {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violation for willful noncompliance-616 Civil Liability for willful non compliance ( 15 USC 1681n ) By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681, you must complete this reinvestigation within 14 days of this receipt. I have included documents and my personal identification to prove my Identity and support my claim. 
Thank you for your time and help in this matter. 
Sincerely, XXXX 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