Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: NY
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:
Right now I am disputing with XXXX XXXX a bankruptcy that I have been trying to get removed for a long time this is the 5th or 6th time I have disputed this year. I was a victim of identity theft I have had mixed file issues because of relatives with the same name and I have been able to handle those on my own for the most part. But this has been very difficult I was disputing this because it is inaccurate and should not be on my credit report I disputed first with the bureaus then they told me they got the information from XXXX XXXX so I contacted them in writing I disputed it with them they responded with a letter saying they verified it with the court house directly. So I went to the court house and they wrote me a letter saying they do not verify information with any third partys or CRAs so I sent it back to XXXX XXXX they received my response in XX/XX/2020 then I called and spoke to some one on XX/XX/2020 and they said they had my letter but not the document from the court which was not possible because they were in same package so they were lying also they had not started the dispute so I had to start it right there on the phone which was totally against FCRA that they would not process my dispute when they received it so I uploaded the letter again & I was told that I would have a response by XX/XX/2020. I called back on the XX/XX/2020 and wanted to double check the status of everything at this point I was told again they could not locate my documents again for the 3rd time so I uploaded them again and this time I had went back to the court and got a better letter that clearly states so there is no confusion they do not ever verify information and they do not guarantee the accuracy of the public records because things have been wrong in the past I uploaded again and I was told they had it they also attached it to my file and it was good well thats what I was told. Then I called again on XX/XX/XXXX to see the status and they told me that they needed the letter again something happened so I uploaded it this time I spoke to a woman named XXXX and she was really helpful she helped me allot and attached all the documents. She said that they would look this over and include everything in investigation. Then I called again on XX/XX/XXXX and they told me they finished the investigation and never even looked at my documents that I uploaded the 3 times and so on XX/XX/XXXX I had to start a new dispute all over again and they said that this time it would be faster and they had all of my documents for sure. Which is what they told me every time I spoke to someone. At this point they have violated my FCRA rights on several occasions from taking more than 30 days to respond I just received my letter in the mail yesterday XX/XX/XXXX which is over 40 days from the actual date of dispute and they have been reporting inaccurate information that should have been deleted. FCRA LAW says the burden of proof is on the CRAs and simply verifying information electronically does not suffice as a real quality investigation and they can not just verify said information with out providing me with more than a simple verified or meets FCRA requirements because it does not and I have provided substantial documentation each time to state my claims. I am demanding this be deleted and rectified at once and if it is not deleted this is my final warning before I take up my legal right to file legal action to rectify this matter. Attached are the documents that prove my claims along with even more inaccuracies in the reporting of inaccurate information because they have the court names all different and that also does not meet mandatory metro 2 standards on top of everything else stated above

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