Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: MD
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:
on XX/XX/2021 this credit reporting agency was sent a letter to provide method of verification as outlined in the FCRA section 623. I also sent them several dispute letters requesting to be provided with the following ; any certified signed documents with my inked signature, information that was provided to the data furnisher as verification that the information they received was in fact me, documents signed with my signature for any release of information, who was the person they spoke with, title, and contact information, who confirmed my identity, was there a authorization of release? what was the name of the credit reporting agency who verbally spoke with the person, provide me with certified documents of procurement. I have not received a notarized affidavit confirming that the information that was provided was in fact true, correct, verified and accurate. Credit reporting agencies use automated systems and codes to input information into anybody 's systems. None of the information was verified by a human person. I have not received any of the requested information. XXXX is a government agency that is not allowed to be be used for commercial use. XXXX also states that they do NOT validate any public records. If pacer doesn't verify any public records, how can a credit reporting agency verify the same? I have requested information from the credit reporting agency on what information they have received from the courts. I was not given a person 's name, title, date and time of the conversation, documents that were provided or received, or who was the representative the employee spoke with. I contacted the court name on the credit report and was told, they not received any certified information and request from any credit reporting agency. I requested NON automated information and a PROPER investigation be conducted. XXXX is a automated PUBLIC system. Anyone can create a account, access anyone personal information, store it, and sell it to anyone. So how is a automated GOVERNMENT public records system verifiable information, human 's can make input error mistakes into a computer which could cause catastrophic financial distress. The court 's state that they do not verify any public information? I received several letters stating the there was a bankruptcy account that has been verified by XXXX XXXX who states that they do not have record of any such bankruptcy on file. How is the credit reporting agency stating something like that has been verified with this third party if the third party states that they do not have such? All the credit reporting agencies are suppose verify and report only accurate items on a credit report. Two of the three credit reporting agencies does not have any reports of a bankruptcy on file.

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