Consumer complaint received 2019-02-02
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have notified the three credit bureaus of my correct address and to delete all other addresses as they are either incorrect, not my address, and or old. I have provided that my address has long been : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : Title 16 : Commercial Practices PART 660DUTIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES Allegation ( s ) : The credit bureau ( s ) has FAILED to comply with my request to provide me with their FURNISHER in the accurate verification of the two public records the list on my credit report pursuant to FCRA Section 611 ( a ) ( 6 ) and ( 7 ) and ( B ) ( iii ) : Has not provided their sources by : * Name * Address * Telephone Number * Document used to verify their reporting * Date of Verification The following information has not been verified nor provided to me and or falsely represented by the agent of the Experian, XXXX, and XXXX : 1. Failed to provide the primary FURNISHER ( PERSON or PERSONS ) of the public record through verification of my social security number or : 2.  False reporting of the source as XXXX, as this company has advised me they have not released any information to any party based upon it would violate Florida Law 501.005 and has thereby if done would have VIOLATED : Subsections : 501.005 ( 16 ) In addition to any other penalties or remedies provided under law, a person who is aggrieved by a violation of the provisions of this section may bring a civil action as authorized by this subsection ( s ).

( a ) Any person who willfully fails to comply with any requirement imposed under this section with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure of not less than {$100.00} and not more than {$1000.00}, plus the cost of the action together with reasonable attorneys fees.

c ) Punitive damages may be assessed for willful violations of this section.

( d ) Any person who is negligent in failing to comply with any requirement imposed under this section with respect to any consumer is liable to that consumer for any actual damages sustained by the consumer as a result of the failure of not less than {$100.00} and not more than {$1000.00}.

This means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ) can place or use any information that has been prohibited for use that has not been verified. 

FALSE REPORT OF FURNISHER Information furnisher is governed under the Fair Credit Reporting Act ( FCRA ). Examples of information furnisher are state or municipal courts reporting a judgment of some kind, past and present employers and bonders. 

3. The Credit Bureaus have FALSELY reported the Federal Bankruptcy Court provided the records posted on XXXX XXXX XXXX credit report. 
Per the office of the clerk of the bankruptcy court, they do not provide any information to the credit bureaus, per the office of : a. Federal Clerk of Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ii. The Clerk 's Office has advised me the office does not provide any third party information with VERIFICATION of a person FULL SOCIAL SECURITY NUMBER, address, telephone number or any vital statistics by any means of communications ; such as email, phone calls, public mail, or by person to person interviews. 

iii. The Clerk states it does not provide any court documents to the three credit bureaus such as : 1. XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian  XXXX, Texas XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX 3. I am requesting the names of the agents for each of the Credit Bureaus that has asserted to have verified for the past records in the past inquiry made by and on he behalf of XXXX XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Attention File:XXXX

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