Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: TX
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:
This is the message I keep getting from Experian. They are the only one that keeps reporting this false information. They continue to say that they are using a company to verify this information. The company that furnish the information is not affiliated with a court and is not a legitimate authority to verify the existence of a record. 

I have contacted the court and they have confirmed to me that they never verified no such record nor received any contact from Experian during any credit dispute investigation. They stated that they do not release any such information to the public and are not responsible for anything like that reporting to any online site nor credit reporting agencies.The court clerk told me that XXXX or XXXX XXXX neither are associated with the court. XXXX XXXX does not report a Bankruptcy Therefore your response to my initial dispute where you state that the information is verified is either a lie or an error. 

Experian did you verify this record with the courts as required? Please provide detailed explanation of your FCRA complaint investigation. 

It is only fair that in accordance with Section 16 18 A5 of the FCRA that you delete this record immediately and send me an updated copy of the credit report. 

I worked for the XXXX XXXX XXXX in XXXX XXXX XXXX. My data was compromised by the XXXX hacking of the OPM database where all personal details for the lives of XXXX XXXX XXXXXXXX XXXX is held. My addresses and account info was all sent to the Dark Web and used for so many scams and identity theft. Someone else did this to hurt me. 

I am also a XXXX XXXX in the U.S, just XXXX me. People are always attacking my identity and doing things in my name. 

Also see my attached birth certificate. My legal name is XXXX XXXX XXXX XXXX. Any an all legal documents that I sign by hand with authority to bind to an agreement as signed as such. The record you are using the verify and add this to my account is not only against FCRA protected privacy, but It is also Not accurate as There is no way the record has my name on it because its not mine. Please delete it immediately. 

I am a XXXX percent XXXX veteran. Please stop hurting me, I am facing serious health issues and having an accurate credit report is essential to my survival to secure financing for my health issues. 
____________________________________________________________________ From Experian : Your Bankruptcy Dispute has been updated. 

The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXX  was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX Type of Record : Bankruptcy Reference Number : 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