Consumer complaint received 2024-08-21 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: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX - XXXX - You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX XXXX XXXX - XXXX - You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX XXXX XXXX - XXXX - You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX XXXX - XXXX You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's OfficeXXXX XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX - XXXX You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX  and Federal Trade Commission. 

XXXX XXXX XXXX - XXXX You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX - XXXX You have violated 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have never provided written consent for you to report any information on my consumer report. Under this law, you are required to have my explicit written consent to report any data. As such, you must delete the accounts listed in this letter immediately. Failure to comply will result in my seeking monetary damages in small claims court in my city and state. This letter has also been forwarded to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission.

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