Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX response was that they need authorization, but you can not get anyone on the phone. I have tried repeatedly to contact someone on the phone. I am giving authorization in this complaint. It's another tactic to continue to report incomplete and inaccurate information. I have asked XXXX to remove a statement that is reporting on my credit file that I didn't request and they have failed to comply. XXXX has sent correspondence verifying the bankruptcy is verified as a Chapter XXXX Experian sent correspondence claiming they also verified the bankruptcy as a Chapter XXXX. If you are getting your information from the same 3rd party source XXXX, why are Experian  and XXXX reporting 2 different types of bankruptcies? You are violating my rights as a consumer once again. They request a 100-word statement and evidence to support my complaints. They have deliberately ignored it and treating my disputes as frivolous. I feel discriminated against at this point. They are not doing their due diligence to rectify the issue. I have pulled my reports once again. Experian and XXXX  are reporting inaccurate and incomplete information and now 2 different types of bankruptcies. This is unacceptable. The account XXXX XXXX XXXX XXXX # XXXX is reporting 2 different ways by Experian and XXXX. This is a direct violation of my rights as a consumer under the FCRA. How do you ignore the documents that I upload? The Bankruptcy reporting on Experian and XXXX is inaccurate and incomplete. There are no accounts listed. XXXX has deleted the inaccurate and incomplete information. I submitted proof of the deletion and it was ignored. Experian and XXXX have no financial information about the bankruptcy. How is it verified? I have shown the deletion of the bankruptcy from XXXX. I also pointed out the incomplete and inaccurate information that's reporting on Experian the account XXXX XXXX XXXX XXXX? It's affecting my ability to gain credit, refinance my home. This ordeal has been very stressful and overwhelming. I am gon na attach proof once again. I am gon na now follow up with a supervisor at CFPB. I don't understand how the credit bureaus are allowed to submit automated statements and close a complaint without resolution. A copy of this complaint has been sent to my credit attorney. The next step is he will be reaching out. I submitted once again proof that XXXX sent me an update of their verified Chapter XXXXbankruptcy. And a copy of the bankruptcy Experian is reporting as verified Chapter XXXX. How is that possible? When reporting information it must be complete and accurate. Filing bankruptcy you must list all accounts with the bankruptcy and the financial information. Are you trying to say I filed Chapter XXXX and XXXX for XXXX account?

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