Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I just received my investigation results complaint # : ( EXPERIAN ) # XXXX, and saw some accounts were verified. However, I have a few questions. How did you complete your investigation? Did you talk to neighbors, friends or family? If so, please inform me of the person who completed the investigation? The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate and the last date reported is inaccurate? This is grounds for removal. 

How did you do a thorough investigation if the last date reported is inaccurate, last date of activity is inaccurate, balance is inaccurate? Account # 's inaccurate, date opened is inaccurate, inaccurate comments on report : " Account information disputed by consumer, meets FCRA requirements. "? also inaccurate HARD INQUIRIES illegally on updated credit report attached. Bankruptcy is inaccurate, Reference # 's are inaccurate, closing dates are inaccurate, Court names are inaccurate, last date filed/reported are inaccurate?

One more thing, I was reading the Fair Credit Reporting Act and noticed you VIOLATED my rights and these laws as well : 15 U.S.C 1681 ( a ) ( 4 ) : States, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 SECTION 603 ( 3 ) ( e ) : States, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C 1681 SECTION 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681b ( a ) ( 2 ) : ( 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.

15 U.S.C 1681i ( 5 ) ( A ) ( i ) : ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, consumer and natural person, am aware of all of the rights I have and which are protected by the congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have VIOLATED my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX. 
ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX XXXX BANKRUPTCY - DISMISSED DATE FILED/REPORTED XX/XX/2019 CLOSING DATE XX/XX/2019 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 SECTION 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

FAIR RESOLUTION : PLEASE, DELETE THIS ACCOUNT IMMEDIATELY UNLESS YOU WANT TO BE LIABLE {$1000.00} PER VIOLATION ACCORDING TO THE LAW BELOW : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

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