Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I sent letters to Experian, XXXX and XXXX disputing the bankruptcies appearing on my credit reports. 

I never received a response from the bureaus from the disputes so I resent the disputes again XX/XX/XXXX. 

I then received response from the bureau stating that they have verified the information as accurate. 
XX/XX/XXXX I sent letters to Experian, XXXX and XXXX regarding the bankruptcies appearing on my credit reports. 

These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is  not reporting the bankruptcies to the bureaus as it is not part of their practice. 
The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

XXXX deleted the bankruptices and XXXX deleted one of the bankruptcies. Experian did not delete the bankruptcies and stated that they had verified the information as accurate but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ).

XXXX stated that they had verified the information as accurate for one of the bankruptcies but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ).

XX/XX/XXXX I therefore sent FINAL letters to Experian and XXXX regarding the bankruptcies appearing on my credit reports. 

Again, These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. 
The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

I am at my wits end here because they are clearly violating the law and DONT CARE. 
If the Court is not reporting this information to the bureaus then WHO IS and how do they have a legal right to do so? 
It is CLEAR that the court is not reporting any information to the credit bureaus.

Are the credit bureaus placing this information on the credit reports at their own discretion? 
It is my understanding that only " creditors '' or " credit grantors '' can report information to the credit bureaus. 
This is my final step before taking legal action so I hope the CFPB can take action with the seemingly illegal practices.

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