Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, VA XXXX Cell # ( XXXX ) XXXX XX/XX/XXXX Last 4 of SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : Over the last several weeks I have been disputing inaccuracies on my Experian credit report to no avail. I was informed that there is negative information such as an inaccurate bankruptcy ( the US BANKRUPTCY COURT MD XXXX ) in the file that they maintain under my Social Security number. Upon ordering a copy of my credit report, I see two entries from this court listing with Reference # XXXX filed on XX/XX/XXXX and, with Reference # XXXX filed on XX/XX/XXXX reported by Experian. 

The entry with Reference # XXXX which was allegedly filed on XX/XX/XXXX ( and shows as DISMISSED ) and with Reference # XXXX filed on XX/XX/XXXX ( also shows as dismissed ) with this court appears to be grossly inaccurate and/or fraudulent. 

Apparently, not only were these cases never discharged, but evidentially they were dismissed. My evil and very vengeful ex-husband, XXXX XXXX, who resided at XXXX XXXX XXXX, XXXX, MD XXXX apparently was the one whom fraudulently filed for bankruptcy in both his and, my name out of spite and contempt for me. Therefore I am assuming the two cases were dismissed because he couldnt manifest my physical presence to appear in court, nor could he furnish my state issued identification. 

I need this situation remedied ASAP and completely removed from my credit profile. 


Ive requested that Experian please verify under FCRA 611 ( a ) ( 7 ) and validate this information with the court and provide me with copies of any documentation associated with this account granting them authorization to report this information, bearing my signature AND in the absence of any such documentation bearing my signature, but they have not complied with my request. I also, formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number per : XXXX. Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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 expressed permission through written instructions.

15 U.S.C. 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt may not communicate with a consumer in connection with the collection of any debt.

As of todays date they have not complied and mark these fraudulent bankruptcies as VERIFIED. 

Best Regards, XXXX XXXX XXXX

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