Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: SC
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:
This company has failed me and allowed breach of my personal information. I have explained on several occasions not only have I been a victim of identity theft but they have allowed others to obtain my personal information. I have sent certified letters backdating XX/XX/XXXX from the courts saying that the credit bureaus method of investigation has been retained from an unverifiable source which is illegal. XXXX  actually removed this inaccurate information over two years ago. This company owes me for damages. In addition I have no account tied to any bankruptcy nor have I ever. The address associated with this case is an address also I never resided at. I plan to show the courts this as I have attempted on many occasions to get this public record which has damaged my reputation and cause substantial harm to my success. I also recieved a letter from the clerk of courts stating The XX/XX/XXXX agreement to remove public records as there is inaccurate and incomplete information for a public record. 
The United States Bankruptcy Court nor the Clerk of the Bankruptcy Court reports Bankruptcy filings or proceedings to the three credit reporting agencies. 
There is no debt associated with a Chapter XXXX bankruptcy, therefore, there is no debt to report. 
There is no legal, FRCA wording, law, or any other standard that states Bankruptcy is a mandatory report to the credit file, nor is there any standard that supports that a Bankruptcy filing should be placed on the credit report. 
The methods commonly reported by the credit bureau claiming verification of a bankruptcy, are in fact false, as those entities get their information from the credit bureaus. These include XXXX XXXX, XXXX, XXXX, PACER, et cetera. 
PACER is administered by the federal courts, Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information ; however, the Bankruptcy Court does not report to the three credit bureaus. Therefore, because verification of the account can not be determined, the credit reporting agencies are obligated by Recieved from XXXX XXXX In his complaint with your office, Mr. XXXX did not specify a specific public record case or filing number that he wished to dispute. However, XXXX searched our records using Mr. XXXX name, address, and date of birth as provided in his complaint and located one bankruptcy record case number XXXX associated with Mr. XXXX in our systems. In an effort to resolve Mr. XXXX concerns, XXXX initiated a dispute of bankruptcy record case number XXXX on Mr. XXXX behalf. After a reinvestigation, XXXX removed bankruptcy record case number XXXX from his consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining the results of our reinvestigation as well as Mr. XXXX statutory rights was mailed separately to him directly for review. 
Please be aware that XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), a XXXX XXXX, sells public records to a variety of customers, including consumer reporting agencies such as XXXX, Experian, and XXXX. XXXX XXXX XXXX role is limited to providing the consumer reporting Page 1 XXXX agencies data it retrieves from bankruptcy, judgments, and liens public records from primary sources in bulk. XXXX XXXX XXXX has no role in determining what public records relate to which consumer. The consumer reporting agency determines whether to include a particular public record in a specific consumers credit file, not XXXX XXXX XXXX. For more information on this interaction please visit : XXXX. 
Under the FCRA, Mr. XXXX has the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted ; - Add a statement to her file disputing the accuracy or completeness of information. The statement will remain on file and will be furnished to recipients of the file as long as the disputed information is still used ; and - Request that XXXX furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by her who has received a XXXX consumer report for employment purposes within the past two years, or received a XXXX consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ). 
Thank you for allowing XXXX the opportunity to assist Mr. XXXX. 
If Mr. XXXX has any further questions for XXXX, please have him contact the XXXX XXXX XXXX via email at XXXX or by phone at XXXX. The XXXX XXXX XXXX XXXX hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time. 

I am requesting a block and removal within four business days this serves a final notice

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