Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Statement of Truth and Facts Truth : On XX/XX/XXXX Experian removed an inaccurate Ch-XXXX bankruptcy reporting on my credit report. It was then reinserted on XX/XX/XXXX without notifying me within 5 days as required by section 611 ( a ) ( 5 ) ( B ) ( ii ). 

Fact : As of today 's date ( XX/XX/XXXX ) based off this evidence alone it still has not been deleted from my credit file in compliance with FCRA 611 ( 1 ) ( E ) ( ii ) and 1681 ( a ) ( 5 ). 

Truth : Experian sent another follow up letter via mail Report # XXXX XXXX STATING " If I question the results or our dispute to contact the furnisher of information directly or review the original information " refer to your original personal credit report for the furnisher '' Fact : I contacted the original furnisher listed on my credit report and the clerk of courts responded on letterhead ( attached ) that it did NOT FURNISH THIS INFORMATION. Experian is required to have firsthand knowledge, the actual petition of the bankruptcy, bearing my signature in BLUE INK. FCRA 603 ( 2 ) Verification ( I ) made in connection with an application if made by, or in connection with a review of an account under section 604 ( a ) ( 2 ) must obtain written consent from me if existed. Under Section 604 of the Fair Credit Reporting Act you must produce the written authorization-physically signed contract. 

TRUTH : The status of " XXXX '' bankruptcy is inaccurate and the filing date is also. 
Fact : This is another violation of FCRA 609 ( a ) ( 1 ) not reporting 100 % clear and accurate information. 
Fact : I file ant 605 B identify theft report because The FTC Staff Summary 605 ( a ) ( 1 ) explains how Experian is wrongfully reporting this bankruptcy due to the fact that the status reporting and Date Filed is inaccurate. Section 605 of the FCRA prohibits Experian from providing reports that contain certain types of information that antedate the report by seven years ( ten years in the case of bankruptcies ). Sections 605 ( a ) ( 1 ) through ( a ) ( 5 ) specify particular items of information subject to the reporting prohibitions, including bankruptcy matters, suits and judgments, tax liens, accounts placed for collection or charged to profit and loss, and criminal matters. 

Truth : XXXX XXXX, XXXX verified in writing that they could not " find no basis to support this claim. Inaccurate reporting of " XXXX in chapter XXXX bankruptcy '' Fact : Furnishers must uphold their legal responsibilities to report correct date, and compliance must be enforced. FCRA 623 ( a ) ( 5 ) ( A ). Not reporting 100 % clear and accurate information per 609 ( a ) ( 1 ). Per FCRA 623 ( b ) ( 1 ) and Section 623 ( a ) ( 2 ) clearly states that this must be updated/corrected so that 100 % "  accurate '' and " clear '' disclosure of " all information '' in the file you maintain under my social security number is reporting correctly immediately status reporting should reflect paid/never late/account closed. These accounts were not XXXX in chapter XXXX bankruptcy

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