Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to bring to your attention a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1692g, as well as my right to privacy. It has come to my attention that Experian has failed to properly verify a bankruptcy entry in my public record on my credit report. I demand the immediate removal of this inaccurate bankruptcy entry from my credit report, as it violates my rights and threatens my financial well-being.

Under 15 U.S.C. 1692g of the FCRA, credit reporting agencies such as Experian are required to provide consumers with certain rights and protections regarding the accuracy of their credit reports. Specifically, Section 1692g stipulates that if a consumer disputes the accuracy of any information in their credit report, the credit reporting agency must conduct a reasonable investigation to verify the accuracy of the disputed information. This investigation includes contacting the original source of the information to obtain verification.

In my case, I have disputed the accuracy of the bankruptcy entry that Experian has included in my public record. Despite my dispute, Experian has failed to conduct a proper investigation and verification process to establish the accuracy of this bankruptcy entry. This failure not only violates my rights under 15 U.S.C. 1692g but also puts my financial reputation and privacy at risk.

I demand that Experian takes immediate action to rectify this situation : 1. Remove the inaccurate bankruptcy entry from my credit report without further delay. As Experian has failed to properly verify this entry, it should not remain on my credit report, as it is damaging my creditworthiness and causing undue harm.

2. Cease any further reporting or disclosure of this inaccurate bankruptcy entry to third parties, including potential creditors or lenders. It is imperative to protect my right to privacy and prevent the dissemination of false and damaging information.

3. Provide me with written confirmation of the removal of the bankruptcy entry from my credit report and the actions taken to rectify this violation of my rights within the legally mandated timeframe.

I want to emphasize that I am fully aware of my rights under the FCRA and other applicable laws. I expect Experian to comply with these laws and fulfill its obligations as a credit reporting agency. Failure to address this violation promptly and effectively will leave me no choice but to take legal action to protect my rights and seek appropriate remedies. 

Also I have provided documentation that this public record hasnt been provide by the source know as Eastern US Court BK nor any other third party data base, including XXXX  XXXX, XXXX, or metro 2 compliance

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