Product: Credit reporting or other personal consumer reports

Subject : " XXXX Reinvestigation '' Process I am writing to formally address XXXX actions regarding the reinvestigation and reporting of disputed public record bankruptcy information on my credit report. My concerns are supported by the allegations made in the CFPB XXXX XXXX lawsuit, which assert that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate consumer disputes and conducting sham investigations. Specifically, the CFPB has alleged that XXXX failed to communicate relevant dispute information to original data furnishers, accepted data furnishers responses without proper scrutiny, and maintained problematic dispute resolution processes. This complaint highlights similar concerns, including Experians deficient reinvestigation efforts. 

Experians Misrepresentation of Investigative Practices In response to my public record bankruptcy dispute, XXXX claimed that it reviewed and considered the information I supplied through the CFPB portal and directly to XXXX. XXXX also stated : Per your request to conduct a reinvestigation, we contacted the data furnisher ( XXXX ) for the disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. 

According to the FCRA, XXXX is required to : Review the accuracy and completeness of any disputed item. 

Notify the data furnisher or vendor of the dispute and disclose all relevant information provided by the consumer. 

Independently review and consider the furnishers or vendors response to determine whether to accept, reject, or follow up for additional information. 

Delete or modify any disputed information that is found to be inaccurate, incomplete, or unverifiable. 

Despite these requirements, XXXX has failed to demonstrate that it conducted a thorough investigation or verified the accuracy of the disputed information. 

Failure to Provide Verification Details and Sources I requested that XXXX provide the exact source of the disputed public record bankruptcy data, the date it was obtained, and the verification methods used. XXXX did not provide this information. Through independent investigation, I discovered that XXXX claims to have verified the disputed information through LexisNexis, which is itself a credit reporting agency ( CRA ) subject to the FCRA. As such, LexisNexis is required to obtain written consent from the consumer before sharing credit information with third parties. 

Violation of 15 USC 1681b and the Privacy Act of 1974 I reminded XXXX that reporting information to my credit report without my written consent constitutes a violation of 15 USC 1681b ( 2 ). Additionally, reporting a bankruptcy public record without written consent violates the Privacy Act of 1974. XXXX has failed to provide evidence that LexisNexis or any other third party obtained my consent to furnish this information. 

XXXX XXXX Process and Accountability Experians reliance on LexisNexis raises significant concerns : LexisNexis has stated in writing that it acts as a reseller of credit reports from the XXXX nationwide consumer reporting agencies and forwards results to consumers. 

If XXXX claims to have received the disputed information from LexisNexis, and LexisNexis claims to have obtained its information from the XXXX nationwide CRAs, it remains unclear which agency originally reported the public record bankruptcy information in dispute. 

It is understood from the attached email from the clerk of court, that they do not report any information to any third parties, further causing concern as to who has originally reported the public record bankruptcy without my written consent. 

Without clarifying the source of the data and the verification process, XXXX has failed in its duty to conduct a proper reinvestigation under the FCRA. Furthermore, if LexisNexis can not provide evidence of my written consent, XXXX is liable for unlawfully obtaining and reporting the disputed information.