Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: CA
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:
Experian Credit Reporting Agency You asserted that you used XXXX to validate the Bankruptcy on my credit report. I have included a letter from XXXX that shows I have an OPT OUT REQUEST filed and put into place on XX/XX/2022, yet you claimed XXXX has denied that they have provided with any such validation of the Bankruptcy. Furthermore, the U.S. Bankruptcy Court does not supply any agencies with information on individuals bankruptcies to anyone. 
Experian was sent by the CFPB a request to validate your claim, yet you have refused to do so. Please review the attached letter from XXXX is dated XX/XX/2022, which makes impossible for you to have used XXXX database to verify/validate you claim, you see it is impossible for you to claim you validated your claim of verification/validation. CFPB closed XX/XX/2022, and another request for on XX/XX/2022, for Verification/Validation from your company ; on my credit report to be accurate ( NOT SO ). 
Moreover, you alleged After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Experian has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request for a description of the dispute procedure, we sent you a letter listing the actions we take : Experian reviews all available relevant information and contacts the data furnisher to verify the accuracy of the information if we are unable to make the change based on the information you provided, we update our records with the information the creditor provides in response to the dispute, and then we send you the results of the investigation including the contact information of the company that verified the data so you can contact them directly if needed. 
The information I have provided you with the above information which proves that you did not communicate with the third party in question and are just avoiding following the law. 
YOU DID NOT VERIFY MY BANKRUPTCY AS REQUESED AS REQUIRED BY THE FCRA AS PER THE LAW. PLEASE READ THE RULES AND ENSURE YOU FOLLOWED THE LAW. Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification. I demand proof that you went through all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. Part 6 & 7 : Section 611. Procedure 1 ) The person you spoke with at the bankruptcy court 2 ) Provided me a complete copy of all the information that was transmitted to the data furnishers as part of the investigation as is required by FCRA : 3 ) Who did you speak with? 4 ) What was the date of your inquiry? 5 ) How long was the conversation? 6 ) What was the position of the individual you spoke with? 7 ) What number did you call? 8 ) What is the name of your employee or the I.D . number of the person that spoke with directly? 9 ) What number did your employee call? 10 ) What is the position of your employee that spoke to them at the Bankruptcy court? XXXX did not follow the law, the Fair Credit Reporting Act Section Under the Fair Credit Reporting Act Section 611 ( a ) 6 & 7 you are to provide me with your method of verification, I demand proof that you went through as listed above to include all the proper and logical steps that would have been necessary to verify/validate or refute my dispute. If not, you must delete the Bankruptcy from my credit report. 
Please remove the Bankruptcy off my Experian report because you did not follow the law and did not tell the truth about the validation/verification of the Bankruptcy on my report.

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