Consumer complaint received 2024-05-03 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:
There are still numerous errors on my Consumer Report File. No matter how many times I dispute these items and point out violations of my rights no changes are reflected on my credit report. According to 15 U.S. Code 1681 ( b ) Reasonable procedures states ; that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. My Consumer report is full of inaccuracies. Now, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ; ( 1 ) ( A ) states Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The U.S. Code Title 15 1681e ( b ) Accuracy of Report ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Now, Public Law 90-321 approved XX/XX/XXXX ( 82 Stat. 146, 15 U.S.C. 1601 ), as amended by Pubic Law 91-508 approved XXXX XXXX, XXXX ( 84 Stat. 1126 ), which added provisions relating to credit cards and the Fair Credit Reporting Act ; A Public Law that reinforces the U.S. Code and is even stricter than the U.S. Code as it states that any Consumer reporting agency can only get the consumer report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). The Consumer reporting agencies have been handing out my credit report to anyone who asks for it. You do not have my permission to supply my credit file, without a valid reason from a State or local government official authorized by the head of such an agency. The Privacy Act of 1974 - 5 U.S. Code 552a ( a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. I revoke any permission you think that you may have, from now on and forever. The Privacy Act of 1974 - 5 U.S. Code 552a ( b ) - ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with 31 U.S. Code 3711 states at subsection ( e ) ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ; subsection ( E ) the head of the agency has established procedures to ; and In any case the Credit Reporting Agencies have and are violating not only the Fair Credit Reporting Act but also the Privacy Act of 1974 ; and furthermore a Charge-Off is income, otherwise known as Certificate of Indebtedness, and therefore MUST be removed ; Per the Fair Credit Reporting Act of 1970, it is illegal to report transaction [ payment ] history ; and A Charged-off with a third-party debt collector, is a Certificate of Indebtedness ; Charge off is income ( see 15 USC 1681 ) and must be removed ; see 26 CFR 301.6312-1 - Treasury certificates of indebtedness, Treasury notes, and Treasury bills acceptable in payment of internal revenue taxes or stamps. There are many charge-offs on my Consumer report that need to be removed along with duplicate accounts. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am the consumer and there is a lot of inaccurate information on my consumer report. I demand that you remove any inaccurate information. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Please see attachment. XXXX, Experian, and XXXX ( the Consumer Reporting Agencies ) are in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), willful noncompliance, as I have disputed many items previously, which is reflected in remarks in my Consumer File. I am the victim of Identity Theft which has been reported to indentitytheft.gov and my FTC Report Number is XXXXXXXX

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