Consumer complaint received 2018-02-11
Company: Experian Information Solutions Inc.
State: IL
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:
To whom this may concern at the Consumer Financial Protection Bureau, Experian as a company should be investigated. Please see enclosed documents. In accordance the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. 
( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person. 

We have on multiple occasions asked Experian to remove this unverifiable bankruptcy item from our credit report or to PROVIDE THE VENDOR CONTACT INFORMATION IE NAME AND ADDRESS. To this day Experian has not produced that information in blatant disregard of the FCRA. 

Additionally XXXX, XXXX, and XXXX ( who by the way is the vendor of record providing the bankruptcy information to Experian and has subsequently removed the record from their files and ceased reporting it to Experian ) have all removed the bankruptcy item from their records and have sent documentation to us ( please see enclosed documents ) that it is no longer being reported. The bankruptcy court has made clear that they are not supplying this item to Experian. 

WE ARE CLEARLY REQUESTING OF EXPERIAN TO IMMEDIATELY REMOVE THIS ITEM FROM OUR CREDIT REPORT OR PROVIDE THE NAME AND ADDRESS OF THE VENDOR PROVIDING THE RECORD TO THEM. 

If Experian does not remove the bankruptcy from our credit reports will file a lawsuit for multiple violations of the FCRA ...

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