Consumer complaint received 2019-03-29
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: Their investigation did not fix an error on your report

Complaint:
I have requested every month since XX/XX/2018 that Experian and XXXX remove the public record information of the bankruptcy on my credit reports. Both of the credit reporting agencies have responded several times that they received information from the US Bankruptcy Court and the record is VERIFIED and ACCURATE. The attached documentation from the US Bankruptcy Court clearly states that they do not report or verify information with credit bureaus. They also state that agencies do not contact the court to verify bankruptcy filings. 

A credit reporting agency is required by law to the following : ( 1 ) Guidelines. The Bureau shall, with respect to persons or entities that are subject to the enforcement authority of the Bureau under section 621 ( A ) establish and maintain guidelines for use by each person that furnishes information to a consumer reporting agency regarding the accuracy and integrity of the information relating to consumers that such entities furnish to consumer reporting agencies, and update such guidelines as often as necessary ; and ( B ) prescribe regulations requiring each person that furnishes information to a consumer reporting agency to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph ( A ). 624 - 15 U.S.C. 1681s-3 97 ( 2 ) Criteria. In developing the guidelines required by paragraph ( 1 ) ( A ), the Bureau shall ( A ) identify patterns, practices, and specific forms of activity that can compromise the accuracy and integrity of information furnished to consumer reporting agencies ; ( B ) review the methods ( including technological means ) used to furnish information relating to consumers to consumer reporting agencies ; ( C ) determine whether persons that furnish information to consumer reporting agencies maintain and enforce policies to ensure the accuracy and integrity of information furnished to consumer reporting agencies ; and ( D ) examine the policies and processes that persons that furnish information to consumer reporting agencies employ to conduct reinvestigations and correct inaccurate information relating to consumers that has been furnished to consumer reporting agencies. 

My results from these credit agencies now state that XXXX XXXX provided the information. Where did XXXX XXXX get this information if the bankruptcy court states that they do not verify the information with third party vendors or credit agencies. All information collected needs to be verified with the Bankruptcy court directly and must be detailed and accurate, if not they are in violation of my rights. I need these items to be removed immediately, as this organization has not followed, reasonable procedures. It is the purpose of this letter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, ACCURACY, relevancy, and proper utilization of such information.

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