Consumer complaint received 2024-04-13 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX RE : I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated above! To Whom It May Concern : XXXX XXXX XXXX account # XXXX. Being the FACT, I DEMAND a document of CERTIFIED COMPLIANCE displaying undoubted PROOF of all claims ( s ), PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, TIMELINESS, COMPLETENESS, OWNERSHIP OF RESPONSIBILITY, and VALIDITY including ANY STANDARD necessary be it mentioned or NOT! COMPLIANT REPORTING of VALID INFORMATION is NOT OPTIONAL, it IS THE REQUIREMENT. Any claim of negativity NOT meeting this STRICT STANDARD I here now CONTEST its REPORTABILITY and CHALLENGE all involved in its reporting to DEMONSTRATE PHYSICAL PROOF of FACTS and COMPLIANT REPORTING else ERADICATE any and all aspect of claimed delinquency ( ies ) and or derogatoriness ( es ) reporting and inadequately alleged. According 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. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I was never advised and missed the opportunity, that should have been given to me and such information was initially disclosed without my consent to be disclosed to such third party ; therefore, violated my rights and violated the law of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : I received a copy of my credit report from ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my credit report,15 U.S.C . 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.

15 U.SC. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

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

I DEMAND the following accounts to be verified or removed immediately. 
1. Validate The late Payments for XX/XX/XXXX of a XXXX XXXX late payment. I have never been late on these accounts. 
Account Name : XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report consumer file. 
2. Validate The late payments for XX/XX/XXXX of a XXXX XXXX late payment. I have never been late on these accounts. 
Account Name : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report consumer file. 
XXXX. Validate The late payments for this account because it is showing on XXXX that I have never been late on payments for this account. but however, XXXX and Experian is showing that this account is late on payments, Under the FCRA unverifiable accounts must be DELETED and if you are unable to provide me a copy or verifiable.

proof, you must DELETE the account XXXX XXXX XXXX XXXX . 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Your company is in clear violation of the law. Under. 15 U.S.C. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( 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.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -- Except as provided in paragraph ( 3 ), the term " Consumer report. '' does not include -- ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

DELETE the above late payments from my consumer report, these agencies is in violation of many laws 15 U.S.C. Code 1681, 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C. 1681s-2.

Failure to respond satisfactorily with the deletion of the above referenced account and send. out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. Code 1681 violations for willful noncompliance - 616.Civil liability for willful noncompliance [ 15 U.S.C 1681n ].

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my credit report. I understand that you are required to verify these items with the relevant creditor ( s ). Any information that the creditor ( s ) can not verify should be removed immediately. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within XXXX  days of receiving this letter.

Furthermore, I kindly ask that you send me an updated copy of my credit report to the address provided above. According to the act, there should be no charge for this updated report. 
Additionally, I request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 
Thank you for your attention and assistance regarding this matter. 
Sincerely, XXXX XXXX

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