Consumer complaint received 2018-10-05
Company: Experian Information Solutions Inc.
State: CA
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 disputed with Experian and XXXX  Credit Reporting Agencies that the public record information of bankruptcy on my credit reports was not appropriately/offically verified through the bankruptcy court so should not be reported on my credit reports. How do I know that the information was not appropriately/officially verified through the bankruptcy court is that I have documentation from the bankruptcy court saying that they do not report to or verify court information with the Credit Reporting Agencies. I disputed this with Experian and XXXX both in writing and through their on-line dispute processes. I also made a complaint through CFPB. Both Experian and XXXX indicate that the information has been " Verified '' as accurate. They both use a third party vendor, XXXX to get this information, yet they do not provide specific evidence on how XXXX verified the information. They both overlook the fact that I have documentation from the bankruptcy court that says that they do not report or verify court information with the Credit Reporting agencies. Just this in itself should cause Experian and XXXX  to demand that XXXX provide proper evidence that they did infact verify this information through the court instead of taking their word for it and then reporting to me that it was verified. Also once this evidence is obtained from XXXX it is only fair and right that it is shared with me as proof.Without proper/offical verification from the court the information should not be put on my credit report as it is hearsay and it is an hugh injustice for them to put it on my credit report which vastly, negatively impacts my ability to get credit. 

SO THIS COMPLAINT IS ACTUALLY DIRECTED TOWARD XXXX. I am disputing the validity of the public record information that they are providing to Experian and XXXX  as not accurately verified through the bankruptcy court, therefore they should not provide this information to the Credit Reporting Agencies to put on my credit reports. I also would like to question them on how the Credit Reporting Agencies can say that the information was accurately verified by XXXX when my documentation from the bankruptcy court says that they do not report or verify this information with the credit reporting agencies. XXXX should either provide the proper proof that the information was indeed verified through the court or contact Experian and XXXX  to indicate that it was not and have them remove from my credit report. I have not previously disputed this directly with XXXX as I have tried to dispute it with Experian and XXXX to no avail, so at this point related to what level this has become, I am disputing this with XXXX via CFPB. XXXX can refer to the documentation from the bankruptcy court that will be attached to this dispute, uploaded documentation from Experian and XXXX  dispute responses saying that the information has been verified and the dispute letters that I sent to Experian and XXXX. XXXX should not be providing information to the Credit Reporting Agencies that they did not properly verifiy as this severely impacts the credit and livelihood of people as a result of the negative information on their credit report.

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