Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: NC
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:
XX/XX/2022, I sent a letter to the courthouse XXXX VIRGINIA BANKRUPTCY CLERK EASTERN DISRTICT OF VIRGINIA asking do the report bankruptcies to the credit bureaus and I got a letter stating, " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate? they never did a fair investigation according to the 15 USC 1681XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion 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. 

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 an account without my written instructions. 

According to 15 U.S.C. 1681 s-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. 

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Experian XXXX Account # : XXXX XXXX Condition : Paid Open Balance : {$0.00} {$0.00} Type : Note loan Note loan Pay Status : Collection/Charge off Unknown, Experian XXXX Account # XXXX XXXX Condition : Derogatory Balance : {$0.00} Type : Auto Loan Pay Status : Collection/Chargeoff, XXXX XXXX Experian Account # : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3400.00} {$3400.00} Type : Rental agreement Rental agreement Pay Status : Collection/Chargeoff Collection/Chargeoff unkown has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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. 
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

DELETE THIS BANKRUPTCY XXXX XXXX FROM MY 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 non-monetary relief