Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: FL
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 am writing to dispute the accuracy of a bankruptcy record that is being reported by XXXX, Experian, XXXX, and XXXX on my credit report. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure the removal of this erroneous information from my credit file. Additionally, I would like to emphasize the importance of consumers ' right to privacy, as guaranteed by the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( USC ).

Under 15 USC 1681 ( a ) ( 4 ), it is explicitly stated that " there is a need to ensure that Consumer Reporting Agencies ( CRAs ) exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' right to privacy. '' I firmly believe that the reporting of my bankruptcy information violates this fundamental right to privacy. Contrary to the claim that bankruptcy records are public information, I contend that consumers have an inherent right to privacy with regard to their financial matters. 

Furthermore, as per the provisions outlined in XXXX XXXX XXXX ( b ) ( iii ), the investigation conducted by the CRAs should not include factual information but rather be limited to the mention of the consumers ' character, general reputation, characteristics, or mode of living, as specified in 15 USC 1681a ( e ). Therefore, any investigation or findings by the CRA regarding the accuracy and completeness of bankruptcy information should adhere to these guidelines.

In light of the aforementioned legal provisions, I request the following actions to be taken : A thorough investigation of the accuracy of the reported bankruptcy information. 
Verification of the procedure used by XXXX, Experian, XXXX, and XXXX to determine the accuracy and completeness of the information. 
Disclosure of the business name, address, and telephone number of any furnisher of information contacted in connection with this bankruptcy record. 
Removal of the erroneous bankruptcy information from my credit file and all associated credit reports. 
Notification of the outcome of the investigation and the actions taken to rectify this situation. 
I appreciate your prompt attention to this matter and expect a timely resolution. Please be advised that failure to comply with the provisions of the FCRA and USC may result in legal action being taken against the reporting entity. I trust that the CFPB will act diligently to ensure that consumers ' rights are protected and that accurate information is reflected in their credit reports. 

Enclosed with this letter are copies of relevant supporting documents, including my credit report showing the disputed bankruptcy record. Please let me know if you require any additional information or documentation to proceed with the investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

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