Consumer complaint received 2018-01-28
Company: Experian Information Solutions Inc.
State: AL
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 been disputing 3 Bankruptcy entries that is reporting on my credit report inaccurately. Ive disputed them in every way that I could and still Experian tells me the information comes back as Verified. I have requested numerous of times for the furnishers information and was often denied the information or was told it was a 3rd party vendor XXXX XXXX. After being told to contact XXXX XXXX I did just that and was told on several occasions that XXXX XXXX has not verified any information in regards to me since XX/XX/XXXX. I also uploaded and sent over a letter from XXXX XXXX stating that in XX/XX/XXXX there was a freeze placed on my file for identity theft. I have made over 100 phone calls into Experian which resulted in either getting hung up on, refusal of furnishers information, and flat out its nothing they can do, and now into the Speciality Department. On today I was told that XXXX XXXX is handling my file and is the only one that I can speak with in regards to it but before being told that, XXXX in disputes stated to me that they last verified my information with XXXX XXXX on XX/XX/XXXX and received the results on XX/XX/XXXX. I stated that last I spoke with XXXX XXXX on XX/XX/XXXX and not again since. I also advised that I have spoken with XXXX, and XXXX as well. I had then had run out of options and began to email CEO XXXX XXXX last of which was on XX/XX/XXXX in regards to the handling of the disputes process and different information being relayed by different reps. The only thing that I asked REPEATEDLY was to either correct the information being reported or delete it. Neither has been done. I was also told at one point that the US Bankruptcy Court XXXX XXXX XXXX of Alabama verified the information. I contacted them and they stated to me that although it is public records they DO NOT report nor do the VERIFY any information with the CRAs or 3rd party vendors. I really feel as though Experian in other words are trying to have a stronghold on me as they have so many others because they are the ones calling the shots in regards to how our disputes are being handled. Per FCRA they are supposed to ONLY report ACCURATE information or remove it. Not only are they reporting the wrong dollars amounts for my bankruptcies they are also reporting incorrect dates, all of which if was coming from the US Bankruptcy Court itself would be correct. CRAs have a LEGAL responsibility to investigate the issue and not via XXXX which allow reinvestigations to be resolved quickly. I need the information either updated with the correct information in its entirety or REMOVED. If this is not resolved I will definitely see about filing suit in regards to FCRA violations which all the CRAs have been involved in previously for this very same thing. All Im asking is for them to follow the law in regards to the FCRA and all will be well. Case numbers on 2 of the BKs are incorrect and the amounts on all are incorrect. I would also like the name of the furnishers in writing and their contact information which is my right under the FCRA. 

1. Ref # XXXX XX/XX/XXXX Amount {$0.00} 2. Ref # XXXX XX/XX/XXXX Amount {$0.00} 3. Ref # XXXX XX/XX/XXXX Amount {$0.00} CORRECT OR REMOVE IMMEDIATELY!

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