Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: IN
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:
Experian has continuously reported a false bankruptcy XXXX on my credit report that all their agents have acknowledged that the bankruptcy is under a different name. Experian will not remove the bankruptcy even though its under someone elses name due to they keep saying the company that reported the information has certified to Experian that information is accurate. This is the response i was given on XX/XX/XXXX and XX/XX/XXXX after disputing it again on XX/XX/XXXX and XX/XX/XXXX. Experian will not provide me with the name of the third party company so that i can dispute directly with them. I have contacted Experian three times today ( XX/XX/XXXX ) asking for their method of verification as my consumer right under FRCA. I spoke to an agent by the name of XXXX who advised me that an agent with Experian went to the court house themselves to verify. I asked for that person 's information and supporting documents to be sent to me showing verification. XXXX advised that information is not put in the system and she transferred me to another agent who could help me as she was uncertain how to. I was then connected to XXXX XXXX who is apart of Experian 's " XXXX XXXX. '' I asked XXXX XXXX the same information and her response was " you'll need to subpoena Experian in order to get our method of verification. '' I advised under FCRA its illegal to deny me the information/records they used to verify the public record. She proceeded to tell me once again I will need to subpoena the information as she was not giving me it. I asked to me transferred to her supervisor. She stated okay and he somehow wasn't at his desk anymore to take my call event though she stated he was. I called again and spoke to XXXX XXXX who is also apart of Experian 's " Integrity Team. '' I asked for method of verification once again and was told that Experian uses a third party to go down to the court house to verify the information and they report accurately back to them. I asked for the third parties information and supporting documents that they provided to Experian to verify information. XXXX XXXX stated that they do not have any documents and that she would not be providing me with third party information as Experian " takes their word for it '' when it comes to them stating accurately. Under federal law, any innacurrate or incomplete information must be deleted. How can a company verify information under a different name than mine? They cant! I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Experian continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

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