Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: SC
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:
On seventeen separate occasions through the CFPB and certified mail, i have demanded the name, address, and phone number of the third party vendor utilized to verify public information upon my credit report. In return in seventeen different occasions, Experian responded with dispute results, as in the most recent report, number XXXX. Ten days prior to receipt of the above mentioned report, Experian sent a single page letter stating that information was verified through the court records, without revealing the person or entity who verified this information. On XX/XX/XXXX, per telephone call to the Clerk of Court, US Bankruptcy Court, XXXX, South Carolina, the consumer was informed directly that the federal court system doesn't report information to consumer reporting agencies, i.e. private business entities on consumers., addtionally advised that to date there isn't a file, name, or association of name of XXXX XXXX with a filed bankruptcy within the US Bankruptcy system. Experian is in violation of 15 U.S.C. 1681. The consumer within a previous filing with the CFPB on 14 different occasions, sent a documented letter from XXXX XXXXhird party reporting company stating specficically that the consumer has no filing or bankruptcy XXXX or XXXX. This practice deceives consumers and limits consumers access to the true source of Public Record Information, therefore preventing consumers from directly addressing the true source of Public Record Information in order to ameliorate any errors if they should occur. Experian is a FCRA-governed consumer reporting agency that selectively decides which information to provide to consumers that request the FCRAgoverned information in Experian possession and which information it will hide from consumers. Experian withholds certain information in order to minimize its compliance costs and to avoid customer service inquiries directed at them and their business partners or private vendors. As mentioned above, these private vendors and/or business partners include companies like XXXX, a third party that sells public record information to Experian and then, in turn, processes disputes regarding that public record information via the " XXXX '' system. Upon information and belief, Experian misrepresents the source of consumers bankruptcy Public Record Information by falsely stating that a given courthouse is the source of the Public Record Information, while affirmatively hiding the true source of the Public Record Information. Upon information and belief, Experian does not obtain its Public Record Information about bankruptcies form courthouses or actual government entities. Experian obtains information about bankruptcies, court judgments, and liens from private vendors such as XXXX. The Public Record Information provided on Experian credit reports is not the actual court record, rather, an abbreviated version of the Public Record Information, which does not contain all the information in actual public records such as those of courthouses or the government. This leads to a large number of mistakes reflected in the Public Record Information on consumers Experian credit reports. The FCRA requires credit reporting agencies including Defendant to clearly and accurately disclose to the consumer the sources of the information in the consumers credit report under15 U.S.C. 1681g ( a ) ( 2 ). It is imperative that consumers know the true source of the Public Record Information in their credit reports and have the ability to directly address the true source of Public Record Information in order to ameliorate any mistakes in the Public Record Information on credit reports, which this consumer has been denied on seventeen different occasions which is a violation of the statue.Experian failure to disclose all information in the consumer 's credit report, including the sources of the Public Record Information, in response to a consumer 's request for this information violated 15 U.S.C. 168lg ( a ) ( 2 ) and 15 U.S.C. 1681e ( a ) & ( b ). As a result of each and every violation of the FCRA, this consumer are entitled to actual damages, pursuant to 15 U.S.C. 1681o ( a ) ( 1 ). In seventeen separate occasions the consumer is entitled to Statutory damages of {$1000.00} per violation per plaintiff, per month of reporting, pursuant to 15 U.S.C. 1681n ( a ) ( 1 ). Experian has violated this consumer seventeen different time, and failed to abide by the statue seventeen different times, provided false statements through the US Mail indicating that such information was obtained from the court records. Additionally statutory violations exist because each and every day this information appears upon my credit report is a separate violation, there isn't a record of bankruptcy with XXXX or the court house or pacers reporting system for XXXX XXXX, as listed with account number XXXX, and XXXX. Addtionally there isn't a record or contract in existence or account obtained by XXXX XXXX, XXXX, additionally having removed this account from the consumers file in XXXX, when listed as XXXX XXXX XXXX XXXX, and relisting it as XXXX is a violation of the statue concerning reinsertion without notification.

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