Consumer complaint received 2019-05-13
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ, XXXX Cell-XXXX. Email- XXXX Consumer Financial Protection Bureau XX/XX/2019 XXXX. XXXX XXXX, XXXX, Iowa XXXX RE- Experian Negligence towards XXXX disclosure of bankruptcy deletion. 
Consumer # XXXX CFPB case # XXXX VIA U.S.P.S CERTIFIED MAIL /RETURN RECEIPT REQUESTED VIA FAX -XXXX To Whom It May Concern I trust that the CFPB will take action against this predatory credit agency ( Experian ) that has been practicing violations of breaking the laws with its unfair and deceptive abuse to consumers. 
Please note that I have sent a certified letter to Experian dated XX/XX/2019, a copy of the certified received receipt is attached with the letter itself. With the sent letter to Experian, I included a copy of the XXXX 3 letters, dated XX/XX/2019, XX/XX/2019, XX/XX/2019 to confirm the removal and deletion of the bankruptcy record, one of which was sent mainly to the CFPB to assure the deletion as I requested, one of the letters included the XXXX credit report to also confirm the deletion/removal of bankruptcy. 

The main reason for sending those letters to Experian, because I tried to dispute this bankruptcy record with Experian, Experian sent me a copy of my credit report, suggesting that I should have the bankruptcy removed or disputed first from XXXX which Experian had indicated in that report that all information Experian obtained was from the Third Party Source -XXXX . 
The attached Experian report number-XXXX, page number 3 dated XX/XX/2019 verifies Experian 's claim. As you may know and verified that XXXX have removed/deleted the bankruptcy record from their files. 
In that letter that I sent to Experian on XX/XX/2019, I asked Experian to remove and delete the bankruptcy file, based on the fact that the Bankruptcy file was deleted and removed from XXXX which was the main source of information to Experian. Experian didn't obtain the bankruptcy record straight from the Court, it was obtained from a third party-XXXX. 
Please note that today is XX/XX/2019, it has been over 30 days, which already placed Experian in Violation to the FCRA, I haven't received any answers or letters of responds from Experian, Experian totally neglected my request to delete the alleged bankruptcy record, and showed no acknowledgement to it. Their answer was suppose to take place WITHIN 30 days. Experian must regard and respect the FCRA Laws and must have the bankruptcy record deleted immediately. 
Due to the all above factors that are accordingly to the FCRA, I Kindly ask the Consumer Financial Protection Bureau, to use all its measures and consumer protection Laws to have Experian Remove/Delete this alleged BK record from my credit report. 
I didn't find it necessary to take a civil action against Experian, because the FCRA Laws indicated already it's violation, I also felt that I am protected as a consumer by the Agency of Consumer Financial Protection Bureau. If the request of Dispute is not acknowledged or answered to, the request should take place of action by Removing the alleged record immediately, as per FCRA Law. 

Again, I trust the statement of the CFPB as it states ; ( CFPB aims to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. We arm people with the information, steps, and tools that they need to make smart financial decisions. We take action against predatory companies and practices that violate the law and have already returned billions of dollars to harmed consumers ). 


For the record- my SS # XXXX, DOB-XX/XX/XXXX. 

Kind Regards XXXX 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