Consumer complaint received 2024-05-10 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: NJ

Complaint narrative:
If you continue to disregard, fail to comply with, or lack substantial, satisfactory, and/or visibly evident proof of compliant reporting practices, I must caution you that this letter serves as my formal notice prior to potentially seeking redress in the nearest civil court through a writ of review concerning the aforementioned issues I suspect. Please understand that I am the affected consumer of your unverified or insufficient reporting practices. Consequently, I am disputing the assumed, yet highly conditional, reporting privileges for any and all claims contested within this consumer complaint. This statement demands your demonstration of authoritative, verifiable, compliant, legal reporting that unquestionably adheres to no less than the mandatory state and federal reporting requirements and statutes. My insistence on your thorough examination shall specifically encompass, but not be limited to, your adherence to agreements referenced within the FCBA, FCRA, ECOA, as well as all relevant laws within my state, proven to be sufficiently comprehensive in showcasing that your adequate statutory reporting occurred precisely as it pertains to any claim purported by you in my report ( s ). Of particular concern to me is whether any or all aspects of your claims are alleged yet demonstrate potential deficiencies, potentially deviating from your obligatory adherence to industry standards for lawful, fair, and ethical reporting, while maintaining an appropriate status. Undoubtedly, your obligation should be one of verifiable conformity to the Metro 2 Data Field Formatted Reporting Standards, as per CDIA guidelines!

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX Incorrect Name - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.

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 non-monetary relief