Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This credit reporting agency is still reporting a unverified bankruptcy as verified on my credit report. This credit reporting agency was sent factual data and documents supporting this complaint. The agency has replied to with by stating " the account has been verified by a third party vendor ''. Under the FCRA law " Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d. '' I have not received any factual documentation as to how this bankruptcy was verified. The court 's do not verify PUBLIC documents, then how do third parties verify these same documents that this credit reporting agency states is verified?. Why haven't I received a copy of the investigation or any documents supporting this. Experian uses automated data entry with dispute codes " E-OSCAR '' and does not physically conduct investigations. XXXX XXXX also has not been contacted. I have received a court subpoena for inspection of public records. The courts have not received any information from XXXX XXXX or Experian. his credit reporting agency also states that the account in question was also connected to XXXX XXXX. This agency also states using XXXX  which is a government public records website. This website does not volunteer to disclose any personal information. Anyone with a computer can sign up and pay for services and obtain any public information. What identifier 's were used from Experian and XXXX XXXX, how was this information obtained and verified? Such information MUST be PURCHASED with a online account. This is a violation of my FCRA rights that this agency knowingly and willing purchased a public consumer report for non permissible purposes. I have sent this agency factual data from the source 's they state the information they have was and none was accurate. I have received information which is a auto generated populated letter response. The FCRA also states that " ( 2 ) Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. I have NOT signed or given any release of disclosure. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 607 [ 1681e ] by a prospective user of the report through a general or specific certification. Also " 3 ) Certain public record information. Except as otherwise provided in section 613 [ 1681k ], a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished. 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and 609 - 15 U.S.C. 1681g 37 the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing. Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute 611 - 15 U.S.C. 1681i 51 that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

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