Credit reporting, credit repair services, or other personal consumer reports -- Problem with a company's investigation into an existing issue -- Complaint #5853213

Complaint Overview

Complaint ID: 5853213

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Other personal consumer report

Issue: Problem with a company's investigation into an existing issue

Sub-Issue: Their investigation did not fix an error on your report

State: Texas

ZIP Code: 752XX

Date Received: 2022-08-07T12:00:00-05:00

Date Sent to Company: 2022-08-07T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have recently received my credit report, Report XXXX XXXX updated XX/XX/2022 and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). My score has dropped XXXX points because of your negligence and consistent inaccurate reporting of a status of a collection account. On your public website, you note that a Collections are a continuation of debt owed!! I do NOT have any collections or owe anyone so why would a status be COLLECTION. Furthermore, The law clearly states the following 15 USC 1681b ( 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. Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. Secondly according to the 15 USC 1681.The law clearly states. 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require 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. The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. XXXX. Account Name : US DEPT ED Account Number : XXXX XXXX. Account XXXX : DeptedXXXX XXXX. Account XXXX : XXXX The following accounts are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be DELETED from my credit report immediately. I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO HAVE ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 15USC 1681 ( a ) ( 4 ) A consumer has the right to Privacy- There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You Are in Federal Violation on my rights, as a federally protected consumer who have the right to privacy. In addition, I demand to have a copy of my updated consumer report once the following changes have been made. Take Notice, This is my final request to have these deleted, you just updated my information for the XXXX time, if it wasn't erroneous it wouldn't be so many changes. After recent denials due to your inaccurate reporting... I'm over it ... Delete it or i will be contacting an attorney to sue your company. XXXX. Defamation of Character XXXX. Negligent Non Compliance XXXX. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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