Consumer complaint received 2024-06-29 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: GA

Complaint narrative:
I recently received a copy of my consumer report and noticed several accounts that should not be there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ), as I was not notified in writing 5 days prior to the addition of these accounts.

Additionally, pursuant to 15 USC 1681i ( a ) ( 5 ), regarding the treatment of inaccurate or unverifiable information : 1. If, after reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must : ( i ) Promptly delete or modify the information based on the results of the reinvestigation. ( ii ) Promptly notify the furnisher of the information that it has been modified or deleted.

Further violations are as follows : 1. 15 USC 1681e ( b ) - Compliance and Procedures : Accuracy of Report o Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in a consumer report.

2. 15 USC 1681b - Permissible Purpose of Consumer Reports o Consumer reports may only be furnished under specific circumstances, such as with the written instructions of the consumer.

The reporting of the following accounts violates 15 USC 1681, The Fair Credit Reporting Act : 1. 15 USC 1681a - Exclusions o The term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

2. 15 USC 1681s-2 ( A ) ( 1 ) o A person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate.

These accounts are inaccurate and incomplete. Information on consumer reports must maintain maximum possible accuracy, meaning it should be correct in all details and exact.

Your agency has also failed to notify me as required under 15 USC 1681i ( 6 ) ( A ) : 1. Notice of Results of Reinvestigation o A consumer reporting agency must provide written notice of the results of a reinvestigation within 5 business days after completion.

Your company is in clear violation of the law. Under 15 USC 1681b, consumer reports may only be furnished with the written instructions of the consumer.

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) excludes certain information from consumer reports : 1. Exclusions o Reports containing information solely as to transactions or experiences between the consumer and the person making the report are excluded. 
Please delete the below-referenced accounts from my consumer report immediately. Failure to respond satisfactorily will result in legal action, including seeking {$1000.00} per violation. 
Account Account Number Amount XXXX XXXX {$210.00} XXXX XXXX {$430.00} XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$230.00} Highlighted in yellow shows the following inconsistencies and inaccuracies which violates 15 USC 1681e ( b ) - Compliance and Procedures : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in a consumer report Subject : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.

You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX, Experian, or XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

I have not initiated any transaction with the following accounts listed below as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. 

Inquiry : Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX2023 Experian Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. 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 because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Please send payment Via Check Payable Subject : Personal Information Update This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report except for : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, Ga. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
Please remove everything highlighted in yellow from my credit report.

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