Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NJ
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:
I have tried 5 times to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian : Each time I receive a post card in the mail from Experian illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. Experian over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any 3rd party company like Experian. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that Experian seems to feel that its okay to violate my federal rights by accepting 3rd party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another 3rd party source know as XXXX  which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

XXXX : XXXX out of all the XXXX major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again XXXX is guilty of the same thing Experian does by accepting and reporting from a 3rd party vendor information that I did not give sent to, have frozen and opted out of. 


Summary All 3 credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple 3rd party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.

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 non-monetary relief