Consumer complaint received 2020-09-14
Company: Experian Information Solutions Inc.
State: CA
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:
This is my second attempt. The first time I submitted a complaint, Experian refused to investigate or acknowledge my complaint. I also filed a complaint with the attorney generals office. Inaddition, XXXX  complied with my request.

I am contacting you today regarding an alleged dismissed bankruptcy  that is reporting on my credit report. I have disputed it with XXXX, and they removed from my Consumer File. I then proceeded to dispute the bankruptcy with Experian, and they are not complying appropriately to the Fair Credit Reporting Act. It was recommended to me that I initiate a complaint with your organization. I have attached all supporting documents for your review. 
On XX/XX/2020, I received a letter from XXXX stating that they XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX report. 
I proceed to send a letter to Experian on XX/XX/2020 and attached the letter I received from XXXX. Experian responded back with a letter that said that This section includes public record items Experian obtained from local, state and federal courts through a third-party vender, XXXX. In addition, they stated that this public record item is reporting correctly. 
I was confused to how Experian verified this information, since XXXX had already removed it from my consumer report. I went to the recommend website, https : //experianconsumersXXXX to find out more information and I found out that XXXX does not match bankruptcy information to consumer credit files for Experian, Experian performs the matching. 
I then again proceeded to send letters to Experian dated XX/XX/2020 and then again on XX/XX/2020. I never received a response from Experian. 
Then I sent a letter XX/XX/2020 via certified mail receipt number XXXX XXXX XXXX XXXX XXXX. According to USPS tracking this letter has been received on XX/XX/2020. In this letter I asked Experian for a description of the procedure used to determine the accuracy and completeness of the investigations preformed on my credit report. According to the Fair Credit Reporting Act A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. of such furnisher, if  reasonably available ; It is now XX/XX/2020 and I have not received a response from Experian. Experian has failed once again to comply with the FCRA. I have recently filed a complaint with the Consumer Financial Protection Bureau ; however, it is my understanding that under the current administration, the CFPB is not stepping in and helping consumers. 
Attached is all document regarding my complaint against Experian. 
I ask that Experian complies to the Fair Credit Reporting Act and removes the item Chapter XXXX Bankruptcy case number XXXX from my credit report.

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