Consumer complaint received 2024-03-13 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: CA

Complaint narrative:
Subject : Urgent : Repeated Violations of Consumer Rights and Requests for Action Dear Consumer Financial Protection Bureau, I am writing to alert you to a series of persistent and unresolved issues regarding my credit report and the handling of my personal financial information by Experian and a debt collection agency. Despite multiple attempts to rectify these issues through the Federal Trade Commission ( FTC ) reports, certified mail, and direct communication through the CFPB portal, I have been met with automated responses or outright disregard. This is the fourth instance of me sending an FTC report to Experian via mail, upload, and through the CFPB, all of which have been either ignored or insufficiently addressed. This not only constitutes unfair treatment of a consumer but also a violation of my rights and the laws designed to protect them. 
Also attached is what they sent me requesting information Ive sent to them several times Detailed ftc reports, government issued identification, social security card, proof of address and other documents Here are the specific issues at hand : 1. **Inaccurate Reporting of Closed Accounts as Open** : Despite the fact that my charge-off accounts have been closed for years, they are still reported as open by all three major credit bureaus. These accounts have been sold to a debt collection agency, which is now attempting to collect on the debt unlawfully.

2. **Illegal Collection Actions on Charged-Off Debt** : The debt collection agency 's actions violate the Fair Debt Collection Practices Act ( FDCPA ), indicating a broader issue within the credit reporting and debt collection systems.

3. **Inaccurate Late Payment Reporting** : There are erroneous late payment entries on my charge-off accounts, which are detrimental to my credit score. This practice contravenes 15 U.S. Code 1666b regarding payment timing.

4. **Violation of FCRA Reinsertion Notification** : After being informed that disputed information had been removed from my credit reports in XX/XX/2023, I discovered it had been reinserted without the required written notice, breaching FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ).

5. **Dismissal of Verification Request as " Frivolous '' ** : A collection agency has dismissed my verification requests for incorrect items as " frivolous '' or " irrelevant, '' which is not only baseless but also dismissive of a significant concern.

6. **Inclusion of Income Information** : My credit reports include prohibited income information, violating 15 U.S. Code 1681 ( 2 ) ( a ) ( i ).

7. **Unauthorized Sharing of Information** : There has been an unauthorized dissemination of my information, which infringes on my privacy rights under 15 U.S. Code 1681b.

8. **Absence of 1099C or 1099A Forms** : I have not received a 1099C or 1099A form from XXXX XXXX XXXX XXXX following the charge-off, which raises questions about the legitimacy of the debt and the accuracy of its reporting. 

I respectfully request immediate investigation and remediation of these issues. I have attached copies of my previous CFPB reports, receipts from certified mailings, and all relevant documentation to support my claims. The continued negligence and violation of my rights must be addressed promptly. 

Thank you for your attention to this urgent matter.

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