Consumer complaint received 2018-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is the Third time I have requested that XXXX XXXX XXXX XXXX # XXXX****My credit application was recently denied, and according to the online credit report that I received last month from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 
Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off of my Credit report, I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item 1.  XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX My loan application was denied : when I reviewed my credit history I notice there were no details on All the items listed on your report from my on line report no original creditor or documents listing that this are my items. 
a. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 
1. Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or  proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order. 
2. Neither the Commission nor any other agency referred to in subsection ( b ) may prescribe trade regulation rules or other regulations with respect to this title.

b. Enforcement by Other Agencies : Compliance with the requirements imposed under this title with respect to consumer reporting agencies, persons who use consumer reports from such agencies, persons who furnish information to such agencies, and users of information that are subject to subsection ( d ) or ( e ) of Section 615 shall be enforced under -- 1. Section 8 of the Federal Deposit Insurance Act [ 12 U.S.C.A. 1818 ], in the case of -- A. national banks, and federal branches and federal agencies of foreign banks, by the Office of the Comptroller of the Currency ; B. member banks of the Federal Reserve System ( other than national banks ), branches and agencies of  foreign banks ( other than federal branches, federal agencies, and insured state branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under Section 25 or 25 ( a ) of the Federal Reserve Act [ 12 U.S.C.A. 601 et seq., 611 et seq. ], by the Board of Governors of the Federal Reserve System ; and C. banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ) and insured state branches of foreign banks, by the Board ~ of Directors of the Federal Deposit Insurance Corporation ; 2. Section 8 of the Federal Deposit Insurance Act [ 12 U.S.C.A. 1818 ], by the Director of the Office of Thrift Supervision, in the case of a savings association the deposits of which are insured by the Federal Deposit Insurance Corporation. 
3. the Federal Credit Union Act, by the Administrator of the National Credit Union Administration with respect to any federal credit union ; 4. Subtitle IV of Title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; 5. the Federal Aviation Act of 1958, by the Secretary of Transportation with respect to any I air carrier or foreign air carrier subject to that Act ; and 6. the Packers and Stockyards Act, 1921 ( except as provided in Section 406 of that Act ), by l the Secretary of Agriculture with respect to any activities  subject to that Act. 
The terms used in paragraph ( 1 ) that are not defined in this title or otherwise defined in Section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in Section l ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).

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