Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have taken a look at my reports under the my fico website and can see that the information is not accurate. According to the United States code specifically 15 USC 1681. The verbage states that credit reporting agencies must submit accurate reporting and according to my reports, under payment history the report shows under Experian,5 late payments, under XXXX XXXX shows 4 late payments, and under XXXX it shows 6. I've tried to reach out to all three companies and all of them state that they are reporting what the creditors are reporting and will not remove them, even when I explain that the law states that accuracy is required and is mandatory. 

Futhermore, XXXX, XXXX, and Experian also have inaccuracies under the number of collections reported on my account, again when calling these companies I'm simply told that they will not remove anything that I have to go after the creditor. When its the credit buearos that are finishing these reports. I spasically state that the law requires these companies to report accurate information and they simply say there's nothing they can do. 
I've furth reported to all three compaies that I have opt out of these companies that are sharing my information with out my written, verbal or non verbal. 



I've even gone as far as explaining to them that the mear fact that I have submitted several times opted out requests from these other reporting agencies such as XXXX and XXXX XXXX XXXX as well as XXXX yet XXXX and Experian and XXXX have continued to share and trade my personal information with my verbal, non verbal, or written concent, I have never once received an option to opt out and if I did it was under the pretences of a document that did not truly state nor clearly state the option to opt out. Thus informing them of UCC! -308 I was simply to they have opted me out and they were not doing so although my latest updated credit reports on XXXX XXXX XXXX shoes them reporting information from these NON Affiliates. The law clearly states that they need my concent to do so and I have submitted letters to all companies stating they don't have my concent to do so and have gotten XXXX response. My next move is to seek lidigation and sue these companies for not only violating my rights but also the damages and emotional damages I have incured from the mis use and inaccurate reporting of my informatoion, the privacy act of XXXX is very clear on these matters and these companies assume they can get away with what there doing. Being that I have been dishonored by all companies involved in the above statement. I demand that they not only remove the inaccurate accounts dates and any other misleading information that has stopped me from being able to obtain the very nessasities I need to survive, but I also demand compensation be paid to me for the emotional damages and embaresment I've received as a direct result of these companies breaking the law thinking that I would not conduct my own invesaationand report them to the cfpb. Please help me straighten out this matter as Ii have suffered enough and will be giving them the chance to remain in honor and fix these issues as well as compensate other wise I will HAVE my attorney file to bring these law breaking companies to justice for taking advantage of the very consumers that are the only thing bringing true value to table that keeps the economy going thank you

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