Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: NM
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:
On XX/XX/2022, I sent a letter to the courthouse listed on my credit report asking if they report bankruptcies to the credit bureaus. I received a letter back stating that they do not report any bankruptcies to any credit bureaus. 

At the same time, I sent a letter to Experian explaining to them that I am the victim of identity theft, and asked them to verify the accuracy of the bankruptcy ( Type of Account : BANKRUPTCY XXXX XXXX XXXX CALIFORNIA - Case Number : XXXX ) that is listed on my credit report, as I do not recognize the information. Last month, I received a letter back from Experian stating that they verified the bankruptcy information that is displaying on my credit report. 

I demand to know how Experian verified the bankruptcy as 100 % accurate and as belonging to me. They never did a fair investigation according to the 15 USC 1681 to ensure that the information reporting truly belongs to me.

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 also violated my rights numerous 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 a 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.

This inaccurate information reporting on my credit report is negatively impacting my ability to get a job and provide for my children.

I am attaching the correspondence I had with Experian and the courthouse, as well as copies of my previous and current credit reports. I am also attaching the correspondence I received back from the Courthouse listed on my credit report, and the tracking information from the dates I wrote to Experian asking them to investigate the Bankruptcy information on my credit report. I am also attaching copies of my identity so that Experian can identify me fully as the person disputing this 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