Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: GA
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:
Sometime in XX/XX/XXXX I sent request to XXXX for investigation of XXXX reporting on my report. XXXX sent response file no XXXX which says VERIFIED AS ACCURATE. I submitted another dispute on XXXX XXXX. Received confirmation of receipt from postal service XX/XX/XXXX. Letter dated XX/XX/XXXX received from XXXX stating request received with my information such as drivers license and ssn card but it wasnt sent from me or an authorized third party. They didn't process. I called on XX/XX/XXXX to tell them I a natural person did send letter. Spoke with XXXX who identify self as XXXX. After verifying it was indeed a real person, she proceeded to get me to give dispute details to process over phone or direct me to upload on website. She stated did not have 2nd request to remove unverified account. This document that was sent a few weeks ago but not in their possession. How should we believe they handle any consumers file properly. This is a violation of Fair Credit Debt Practicing Act.

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they MUST remove said information from the consumer file.

The U.S. Bankruptcy courts in this case would in fact be the ORIGINAL CREDITOR. A The bankruptcy courts respond back with a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 

Third party XXXX XXXX has provided documentation that it could not validate this public record information. As it is the credit reporting agencies, and or other third-party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

XXXX is BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation 15 USC 1681a ( e ). An investigative consumer report is when any portion of 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.

You are violating 15 1681b ( a ) ( 2 ) considering you do not have my consent to furnish any information.

Per 15 USC 1681c ( a ) bankruptcy information is excluded from the consumers report. 

XXXX fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family

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