Consumer complaint received 2018-09-11
Company: Experian Information Solutions Inc.
State: PA
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:
Addition to complaint # XXXX Experian has received several certified mail correspondence disputing the inaccuracies of my alleged public records information. I've requested under the FCRA section 609 ( a ) ( 2 ) to provide the documents used to verify the bankruptcy listed under my name.

I've also requested under FCRA section 611 ( 6 ) ( B ) ( iii ), to describe their procedure used to determine the accuracy and completeness of the information. 
All of my requests have gone unanswered, instead Experian states that the bankruptcy has been " verified '' and will not provide the name of their source. 
I am aware of the fact that the main provider of public records information is XXXX as indicated by the other credit reporting agency XXXX. 
In XX/XX/2018, I placed a security freeze on my XXXX records which makes it impossible for any entity other than law enforcement or other government agencies to access personal information listed under my name, ( see attached document ), I also suppressed my personal data with XXXX which would also prevent access to my personal data by any entity other than law enforcement or other government agencies ( see attached documents ). 
I have also placed a security freeze with the other public records reporting agencies, XXXX Consumer Assistance on XX/XX/18, XXXX on XX/XX/18, XXXX on XX/XX/18, XXXX XXXX XXXX XXXX XXXX on XX/XX/18, XXXX on XX/XX/18, and XXXX on XX/XX/18. 
For Experian to continuously state that they have " verified '' my information, can not be true, I have now proven that statements made by Experian to be a deliberate and will full false statement of fact. 
In addition, the public records data from XXXX does not comply with the National Consumer Assistance Plan ( NCAP ).

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of XXXX document. 
The data from XXXX only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : Experian has 2 social security numbers listed on my report.

According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from XXXX reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here XXXX claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to XXXX, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore XXXX is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by Experian which cite XXXX as their " source. '' Since Experian does not list their source of public record information, where are they obtaining their verification? Experian deliberately fails to provide the requested information, obviously they do not possess any documentation.

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