Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple a complaint ( s ) to Experian to investigate and remove improper reporting of a public record on my credit file as of XXXX, XXXX. Experian is reporting the following public record was investigated and returned as verified by a third-party vendor, XXXX XXXX, in which they use to verify all public records. 

Source : Experian Date Submitted : XX/XX/XXXX Report Number : XXXX Court Name : XXXX XXXX XXXX IL XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Type of Record : Bankruptcy Reference Number : XXXX. 

Experian states that an investigation of public record was completed using a third-party vendor, XXXX XXXX, as the source of verification and that the public record is accurate. 

On XX/XX/XXXX, I was informed by mail and via the CFPB complaint system that XXXX XXXX is not reporting a bankruptcy or any public record on my file. 
I've also contacted the courthouse asking do they report bankruptcies to the credit bureaus and was told, They do not report any bankruptcies to anyone. '' So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They couldn't have done a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

According to Experian Credit monitoring system my info has shown up on the dark web and my SSN and different variations of my address and the spelling of my name has been found compromised over 30 times since XXXX of XXXX. I asked the credit bureau for a fair investigation and prompt removal of the inaccurate reporting, in which I did not receive.

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