Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
I have made disputes to Experian via mail and their on-line dispute process and also on XX/XX/2018 via CFPB and on XX/XX/2018 via CFPB as part of a dispute against XXXX XXXX. My dispute is that the public record bankruptcy information on my Experian Credit report was not accurately/officially verified through the bankruptcy court so should not be on my Experian credit report. How do I know it was not accurately/officially verified is that I received documentation from the bankruptcy court that they do not report to or verify information with the credit reporting agencies. I have submitted this documentation to Experian on all the disputes made but they do not acknowledge the bankruptcy court documentation at all and report that they have contacted their public record vendor who verifies the information as accurate. Experian has not disclosed who the public record vendor is or provided any information on how the vendor verified the information or when. This is what they indicated in the last response to my CFPB complaint. " At your request to begin a reinvestigation, we contacted the public record vendor as needed to verify the accuracy of the information with which I disagree, The public record vendor has verified the accuracy of the disputed information ''. This is not an acceptable response as again they did not disclose who the vendor is or how the information was verified or when. Them indicating the information was accurately verified is in direct conflict with what the bankruptcy court documentation indicates. 
I had to guess that the vendor they use is XXXX XXXX per Experian not disclosing who the vendor is they use. I filed a complaint against XXXX XXXX via CFPB disputing the accuracy of the information that they provide and to indicate how and when the information has been verified seeing that the bankruptcy court says they do not report or verify such information with the credit reporting agencies. The documentation from the bankruptcy court was included in the complaint and Experian was made a part of that complaint. We have yet to hear from XXXX XXXX but Experian continues to say the information has been verified as the final results of the XX/XX/2018 CFPB complaint in which they are included with XXXX XXXX. The following is my feedback response to CFPB related to Experian 's response to the XX/XX/2018 complaint : I had already made several complaints to Experian via mail, their online process and CFPB. This complaint was primary directed toward XXXX XXXX their third party vendor but it was pertinent that Experian be included in the complaint. It is almost funny how Experian gives the long scripted responses but it is really not funny because my credit life is being impacted. Experian really has not directly dealt with the complaint. Yes, Experian did recently send me an investigation response that they did their investigation and did verify that the bankruptcy information on my credit report they got form the third party vendor is accurate.. Experian however does not say who the third party vendor is or how the third party vendor verified the information. I have actually had to guess who the third party vendor is, XXXX XXXX,. Experian 's response reports that the vendor is suppose to investigate per their request for them to do so then they get the results. Well those results should be shared with me other than indicating it was verified and not sharing any details. That is a hugh injustice to me as it seems as if Experian is just taking XXXX XXXX word for it and not really getting verification proof and if they are getting the proof Experian is not disclosing the specifics of the proof but just saying that it is verified. CFPB please advocate for me to have Experian rightfully reveal the specifics of investigation results from the third party vendor other than just saying verified. However since this complaint was primarily directed toward XXXX XXXX, we will see what they provide to prove that they did infact verify the information with the bankruptcy court because if not the information is not officially valid and should not be on my report. Also I want to say and do not see how Experian can continue to overlook the fact that I have provided written documentation from the bankruptcy court that they do not report to or verify bankruptcy information with the credit reporting agencies. That should be enough for Experian to remove the bankruptcy information from my credit report as it is not officially valid because the court does not verify it, therefore the information they are getting from XXXX XXXX is not valid and if XXXX XXXX says it is than we have a problem because the US Bankruptcy Court indicates otherwise.

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