Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to resolve this unverified bankruptcy entry with Experian, starting with my correspondence starting from XX/XX/XXXX till XX/XX/XXXX to no available remedy from Experian. 
Experian has made claims several claims that this information has been verified by its 3rd party vendor XXXX, with no other details provided to me. With that response from Experian, I contacted XXXX and asked them to verify this information, by obtaining the records this vendor had. XXXX could not show or prove that Experian had contacted them or verified this bankruptcy as Experian has claimed. Bankruptcy information was never found in my consumer disclosure report that XXXX maintains. 

XXXX conducted their OWN independent 30-day investigation, sent the information of their finds as a dispute on my behalf to ALL 3 credit reporting agencies. XXXX, did not respond, but removed the information, XXXX, responded with documentation to XXXX stating a removal of the bankruptcy, Experian did not respond to me nor XXXX. 

Despite this information FROM XXXX and additional information provided to Experian by their third-party vendor, the unverifiable information remained. 

Experian, did not properly take the correct steps to verify and correct the information, which they are reporting pursuant to it obligations under the FCRA. Under the FCRA, the investigation. a credit reporting agency undertakes must be a reasonable one.

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian was required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

According to Experian " verified '' means that the company, ( in this case vendor ) that reports the information to Experian has certified it reported accurately. However, this is not the case, XXXX DID not verify to Experian that this information was verified. 

A letter was sent to Experian on XXXX XXXX requested their Method of Verification, which by law I am obligated to ask for and shouldve received, since Experian verified with XXXX . That information as not provided to me, I was told to look in the Public Records section of my credit report and find that information. This DOES NOT constitute as proper Method of Verification according to the FCRA. Also Experian sent another letter in the same envelope that they couldnt verify my identity to provide me the information that I was requesting, so why did Experian instruct me to look at my Personal Records section of my credit report and state they would not reinvestigate this information, which was NEVER investigated to begin with?

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