Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
The credit bureaus that I am complaining about have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! I want them to cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete the public record from my consumer report and all their systems. Why are these public record still on my consumer reports when they are unverifiable and I have sent proof that they are unverifiable? 

Public Record - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OR THE BANKRUPTCY COURTS BUT I HAVE PROVEN THAT IS NOT TRUE. I HAVE ATTACHED THE LETTER I RECEIVED FROM THE COURT THAT SHOWS THE COURT DOES NOT VERIFY PUBLIC RECORDS AND THE LETTER FROM XXXX XXXX THAT SHOWS THEY HAVE DELETED THESE PUBLIC RECORDS FROM MY CONSUMER REPORT DUE TO NOT BEING ABLE TO VERIFY THE ACCOUNT WITH PACER OR THE COURTS. I HAVE ATTACHED THIS LETTER AS WELL. THIS SHOWS PROOF AND YOU MUST FOLLOW SUIT SINCE THESE LOCATIONS ARE WHERE YOU CLAIMED THIS IS WHERE THE INFORMATION CAME FROM AND PERMANENTLY DELTE THIS BANKRUPTCY FROM MY CREDIT REPORT. 
My inquiry to the U. S. Bankruptcy Courts confirmed THEY HAVE NEVER VERIFIED THIS PUBLIC RECORD, or verified this public record entry on my credit report, neither will they ever be by them. XXXX XXXX NEVER VERIFIED THIS WITH THE COURTS OR WITH PACER. The US Bankruptcy Court further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currentlyshowing under my social security number to be PERMANENTLY DELETED from my consumer reports immediately. 

They need to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. 


They have not only defamed my character, they have violated my rights to privacy and caused me emotional and physical stress!!! Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete this account from my consumer report and all your systems. 
Cease and desist the reporting of this erroneous and deceptive information on my consumer report. Delete these public records from my consumer report and all your systems. 

I have attached all of the proof I have that they are violating my rights. The letter from XXXX XXXX and the courts along with my dispute.

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