Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: NJ
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/XXXX, I sent a letter via XXXX Certified Mail ( tracking # XXXX ) to Experian asking what method of verification this alleged bankruptcy on my Experian file is. On XX/XX/XXXX, I received an email from Experian letting me know that my dispute is now completed and that I can access the dispute results on their online portal. When I went to the portal to access the results, it said Your dispute results are currently not available online. Confused by this, I contacted Experian directly and spoke to a customer service rep named XXXX because I wanted to know the results of my dispute as well as who the furnisher is of this alleged bankruptcy on my report is. XXXX indicated to me that XXXX XXXX is the furnisher. I told her that would be impossible because I have letters from XXXX XXXX stating that they do not have a bankruptcy on my file. XXXX then said that she would file a dispute on my behalf and Experian will contact XXXX XXXX directly to see if the bankruptcy is still on my report and if not, remove it from my file. 

On XX/XX/XXXX, I received my dispute results from Experian ( based on my initial XX/XX/XXXX inquiry ) claiming that the company reporting the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. I sent Experian a letter via XXXX Certified Mail on XX/XX/XXXX ( tracking # XXXX ) asking them yet again who the furnisher of this alleged bankruptcy on my report is. On XX/XX/XXXX, I received an email from Experian letting me know that my dispute is now completed and that I can access the dispute results on their online portal. When I went to the portal to access the results, it said the company reporting the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Experian is failing to inform me WHO the furnisher of this alleged bankruptcy is on my file, which is not only FCRA complaint but it is a direct violation of my rights under the FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) and ( 7 ) which explicitly states : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

If Experian can not reveal how they truly verified this alleged bankruptcy on my credit profile, then it needs to be deleted according to the FCRA. This is a DIRECT VIOLATION of my rights, and this would mean this bankruptcy is by law considered UNVERIFIED and needs to be deleted from my credit report immediately! 

I am aware, the FCRA also states : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 


Furthermore, Bankruptcy cases have to be verified from the courthouse where the case has been filed as they are the ORIGINAL and ONLY VERIFIED FURNISHER. I reached out to the United States Bankruptcy Court, District of New Jersey XXXX XXXX and they responded back with a letter stating the following the U.S. Bankruptcy Court does not report or verify information with credit bureaus. Furthermore, credit agencies do not contact the Court to verify bankruptcy filings. ( See attachment of letter that was sent directly to me. ) I find it quite strange that these agencies are verifying information when they can not even tell me the methods of verification. I also reached out to XXXX XXXX to inquire about the item in question and XXXX XXXX could not verify this bankruptcy on my file, so they deleted it from their database ( See attachment of the letters that were sent directly to me. ) I also contacted PACER and they informed me that PACER does not contact consumer reporting and credit reporting agencies. PACER simply provides access to federal court records. ( See attachment of letter that was sent directly to me. )

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