Consumer complaint received 2021-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
Im challenging and questioning Experian investigation and reinvestigation procedures of my disputes and Experian failure to follow the statutory process under FCRA, based on the events that had taken place within the last two months. I believe, Experian is in violations of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( FCRA ). 
In particular, I XXXX XXXX claimed that : Experian within the last two months, willfully or negligently violated the FCRA by failing to follow reasonable procedures to assure the maximum possible accuracy of information on XXXX XXXX credit report. 

Based on one or more of these undisputed facts. I XXXX XXXX claim that Experian willfully and/or negligently violated the FCRA. 

On or about On XX/XX/2021, Experian received my dispute on a Bankruptcy credit item, contained in Experian records. Experian acknowledge my dispute in its website by providing Estimated Resolution Date : XX/XX/2021. 

On XX/XX/2021 Experian claims to have finish its investigation and updated the disputed Bankruptcy credit item stating that The company that reported the information has certified to Experian that the information is accurate The dispute for the bankruptcy named US BKPT CT CA XXXX XXXX was not changed as a result of our processing of your dispute. 

On XX/XX/2021 under Report Number : XXXX. Experian acknowledge my reinvestigation dispute on the Bankruptcy credit item in its website and by sending me an alert via email. 

On XX/XX/2021, Experian claims to have finish its investigation and updated the disputed Bankruptcy credit item stating AGAIN that The Company that reported the information has certified to Experian that the information is accurate This Bankruptcy credit item has not been flag as " DISPUTED '' Experian ignored and did not honor my formal request in writing to explain who, what, how and when Experian send my dispute to the US BKPT COURT ( Government Agency ) Experian ignored and never provide me with ( 1 ) What procedure Experian use to verify all the information in this BK Reference Number : XXXX. ; ( 2 ) The name and address of the Company that purportedly certified to Experian that the BK information is accurate ; ( 3 ) A copy of such certification ; ( 4 ) The name and address of any third-party data provider or furnisher providing this BK data, and the way was provided.

Experian has ignored and continue to ignore my request to provide me with a true and complete copy of my entire file contained in Experian Records True and complete copy of the certification of the company that certify the DATA to Experian as accurate the Bankruptcy credit item, and the procedures Experian Maintains to assure maximum accuracy in my credit report, specifically on the Bankruptcy credit item DATA reported by this unknown company under Reference Number : XXXX Additionally, I requested Experian to provide me with a description of how Experian had verified the Bankruptcy credit item under Reference Number : 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