Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In response to three different items XXXX XXXX XXXX, XXXX, and Federal XXXX being published on my credit reports, on XX/XX/2022, I sent a letter to the US Bankruptcy Court asking if they report bankruptcies to any credit reporting agency such as XXXX, XXXX, Experian, XXXX or XXXX XXXX ( hereafter referred to as THEY ). The Court clerk was kind enough to send me a letter back stating that the information can be found on their website. The information states. 
Because the Bankruptcy Court has no control over credit bureaus, you must contact the credit bureau directly to discuss information on your credit report. The bankruptcy courts do not provide information to the credit bureaus.

In other words, US Bankruptcy Court does not report any bankruptcies to anybody. 

On XX/XX/XXXX, I requested XXXX, XXXX, Experian, to complete an investigation into why this inaccurate information is on my credit report. 
On XX/XX/2022, I received letters they returned stating a proper investigation was completed and the credit reports were 100 % accurate, updated or remained unchanged. 
So, if that is the case, when they did a thorough investigation to ensure there were no errors in reporting, how did they verify my bankruptcy as 100 % Accurate? This leaves suspicion that the reporting is inaccurate. And in fact, as you can see, there are three different references above. How is this 100 % accurate??

15 U.S.C. 1681s-2 ( A ) ( 1 ) states ; 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.

They never did a fair investigation according to 15 USC 1681 section 603 ( 3 ) ( E ), which 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 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.

According to 15 U.S.C 1681 section 602 A, which states Consumers have the right to privacy, furnishing this public record on my credit report, they have violated my right to privacy under

15 USC 1681. 
They also violated my rights under 15 U.S.C 1681 Section 604 A ( 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions. I never gave ANY credit reporting bureau instructions to publish this erroneous information on my credit report. 
Attached are the letters to each bureau asking for an investigation into each entry for this account. 
Since these credit reporting agencies are reporting this inaccurate information illegally, each account XXXX XXXX XXXX, XXXX, and Federal XXXX needs to be deleted from each and every 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