Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: TN
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 have been going back and forth with the credit bureaus since last year of XXXX  about their CONSTANT violations of my rights. I conducted my own investigation into the responses from the letters they were sending me about validating and verifying inaccurate information they are reporting on my credit report as accurate. All three credit bureaus " claim '' that they verified the bankruptcy they're reporting on my credit report as accurate and they have " verified '' this with the courts. 

However, upon doing my own investigation by sending a letter to the courthouse myself on XX/XX/, asking them do they report bankruptcies to the credit bureaus and they responded saying that, " They do not report any bankruptcies to the credit bureaus ''. They also stated that " They are NOT a credit reporting agency and are not required to conduct investigations or respond to disputes ''. 

The credit bureaus also claim they have verified this bankruptcy with a 3rd party credit reporting agency as well. I have a letter from the 3rd party agency also stating, " We have reviewed the information from our Bankruptcy Records and determined the data being reported as unverifiable. The data in question has been removed and our files have been updated ''. 

So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did 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 have violated my rights one too many 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. 

ALL THREE BUREAUS are reporting multiple inaccuracies and misleading information.

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