Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: MD
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 had sent in a complaint on XX/XX/XXXX ( Case # XXXX ) to your office regarding the erroneous information in my XXXX XXXX consumer report in which the 3 bureaus ( XXXX, Experian, and XXXX ) were alleging that that the Bankruptcy information was obtained from the 3rd party Data XXXX, XXXX XXXX. I also disputed the information with XXXX XXXX the Data Furnisher who sent me a letter stating that in accordance with the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the 3 credit bureaus and on XX/XX/XXXX this disputed information was supposed to be deleted from their records and that never happened. 
I then submitted a second complaint to CFPB ( Case # XXXX ) on XX/XX/XXXX when I discovered that the erroneous information was still being reported by XXXX XXXX the Data Furnisher and the 3 credit bureaus ( XXXX, Experian, and XXXX ) XXXX The CFPB complaint filed with your office response from XXXX was that they had located the bankruptcy record in question and had initiated a dispute of said record on my behalf to the 3 credit bureaus. This investigation was resolved on XX/XX/XXXX. However, XXXX stated that based on the information that I had provided in my complaint, they were unable to fully authenticate my identity. XXXX alleged that they had contacted me on XX/XX/XXXX by email via XXXX. And that they never received a response from me which is totally false. I had contacted XXXX and was instructed to upload my social security card and drivers license into their consumer portal in which I did. 
Then on XX/XX/XXXX, I received correspondence from XXXX stating that the Bankruptcy information that I had disputed on XX/XX/XXXX, that in that in accordance with the Fair Credit Reporting Act ( 15 } 1681 ), XXXX XXXX filed my dispute with the XXXX credit bureaus and on XX/XX/XXXX this disputed information was supposed to be deleted from their records and my consumer report with the 3 credit bureaus but that never happened.

I then reached out to the 3 credit bureaus and asked how the disputed information was verified by XXXX XXXX the 3rd party data furnisher when the information had been deleted from my file. My request to have this information deleted by the 3 credit bureaus have been ignored and I have not received an updated response as of to date. Not to mention that XXXX and the 3 credit bureaus ( XXXX, Experian, and XXXX ) use their bureaucratic process to justify keeping erroneous information on my credit report. Its evident that XXXX sent me a letter on XX/XX/XXXX with the XXXX number XXXX stating that they were unable to fully authenticate my identity and requested that I send in additional information in which I did. In addition, I received 3 letters with the same Consumer number XXXX that states that the disputed information was being removed from my files. Also note that the name in the body of the correspondence that reference CFPB Case # XXXX that I am attaching, is spelled XXXX XXXX which is not my legal name and further shows how erroneous information is being placed in my credit files and I want all traces of the XXXX  XXXX deleted off my 3 credit reports with XXXX, Experian, and XXXX.

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