Consumer complaint received 2024-12-12 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: WY

Complaint narrative:
Experience had sent me a notification to an account of which I have already stated I do not recognize and Ive had ongoing problems and a couple of other related complaints and I attempt to collect a debt that I have already asked for verification a dead in validation of dead, or I have also supplemented documentation to let them know that it was not within my control nor was it myself that had opened an account yet there was never any recourse or any follow up from the creditor, XXXX XXXXXXXX XXXX XXXX They recently escalated the issue after failing to provide validation of this debt to myself and claim to experience that they had validity of the debt and had without a shadow of the doubt reason to believe that the debt was valid. Id asked them for this information in the past from a previous identity theft complaint from XXXX as well as Experian in the event that there was any intermediation and conflict of interest with the debts associated with all the creditors of whom I complained about in the past, as well as the accounts that I did not recognize there was never any recourse, and there was no responses. I have reason to believe that this was done with XXXX against my information on my credit report and with the intent to abuse, my credit profile and a retaliation and attempt to collect a debt that they have been attempting to collect for some time, though they have been collecting it I have not answered them, but XXXX time to let them know that this was an inconvenient time in place please see the documents attached to validate my claim. Additionally, I would also like to bring it to experience attention that they have been attempting to collect this debt for a long duration as what you will see in the documents attached, and of which is attached the earliest form of harassment which was almost every single day for the past XXXX months was from XX/XX/XXXX they were originally at the name of their creditor, but they went as far as to change the original creditors an amount and attempt to collect this debt and state that it was a different debt entirely and to affect my credit please see the attached complaint I have other complaints are attached with this file and I will be making This a copy along with the other complaints against all the other parties evolved, which I did file individual disputes for previously. Violations ; FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA SS 609 ( 15 U.S.C. SS 1681g ) FCRA SS 611 ( 15 USC SS 1681i ) FCRA SS 605 ( 15 USC SS 1681c ) FCRA SS 604 ( 15 USC SS 1681b ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. ( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; and ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996. ( d ) Information required to be disclosed. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11, United States Code, is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal. ( e ) Indication of closure of account by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 4 ) [ 1681s-2 ] that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account. ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and 607. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( 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. ( c ) Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information. ( 1 ) Notice requirement. A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; Moreover, I am requesting that all accounts as mentioned in the letters that I do not recognize, as well as other information that has come in relation to this complaint as well as the previous due to identity theft, and the lack of responsiveness and careful consideration from the car credit bureaus to be removed effective immediately due to these implications, cause based off of their negligence and improper use of my information and credit reporting.

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