Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed the bankruptcy on my credit, the federal Bankruptcy court wrote me a letter that I have already submitted that they do not report bankruptcy to the credit bureau I gave them the letter they came back telling me that their source implied that they had a third party obtain this information from the internet but refuse to give me the source of who they are getting this information from because the information they have is incorrect I have personally verified this with the courts as well as the attorney that Experian supplied as the filing attorney, this attorney wrote me a letter that he did not file the bankruptcy which I have shown to the bankruptcy court and would like to show whoever is giving them false information about public records that do not belong to me. My attorney wrote them a letter that they supply me with the source to contact directly but they keep referring to the bankruptcy court on my credit report but the court has already verified what is on my report was not mine and I have never filed bankruptcy my exhusband has but I have not and I spoke with him as well but the dates on his credit dont match mine this fraudulent information on my credit report which says the reporting agency is the us bankruptcy court did not report this to them and they keep telling me the same thing that they did not report this information and even though I didnt have to I also contacted the attorney Experian gave me the name for and he said he did not file a bankruptcy for me and gave me a letter as well as an email from his assistant. I feel like Im going in circles do I need to take legal action? I know this is a violation of the fair credit reporting act but these agencies refuse to actually look into it and just keep telling me that it was verified, but by who? I am making one last plea for them to correct this incorrect reporting the United States bankruptcy court doesnt have any agency report to them on their behalf nor do they report to they report to the credit bureaus. I just feel like I have no other choice but to seek damages at this point I have all documentation proving I have never filed bankruptcy and this is the only negative information on my report I have never had any debt so why would I need to file in the first place. This unverified information on my report is costing me thousands and preventing me from getting credit for anything how are they getting away with this, Experian suggested I purchase their credit repair to fix this so I believe this is a scam to get consumers to pay them to take care of the inaccurate reporting they clearly have a part of ... I feel scammed. Give me your source of verification!!! Where is their proof show me what and how this information was verified I had to go through a screening process with the courts to get any information about myself how can they get accurate information if it wasnt easy for me to get information on this myself its not mine please remove it promptly or I will have no choice but to seek legal action against all involved this needs to be resolved this is the crazy I have to go in circles over and over again what a nightmare.

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