Consumer complaint received 2021-07-09
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:
On XX/XX/XXXX I sent Experian a letter disputing the validity of the alleged bankruptcy they are reporting on my credit report. Experian opened the dispute on XX/XX/XXXX. They responded with a letter on XX/XX/XXXX stating that they " verified '' this item through the US Courts. I went directly to the US courts to dispute the item in question and was told that the US Court do not verify this item with the credit bureaus. 

I went back to Experian on XX/XX/XXXX and showed them the letter from the US court stating " the do not perform any activities with the credit bureaus '' and asking them them delete the bankruptcy from my account because by law A CRA must remove or correct inaccurate, or unverified information from its files, usually within 30 days after disputing it. CRA MUST remove inaccurate information if it can not be verified. On XX/XX/XXXX another dispute was open which was receipt of them receiving my letter. On XX/XX/XXXX Experian closed out the dispute verifying that the US court is the one that is reporting the bankruptcy. 

On XX/XX/XXXX I sent my last letter stating how I received the same response and I resubmitted the court letter once again that reflect the court does not verify information with the credit bureaus and mentioned how I will file a complaint if the bankruptcy is not deleted. I received a response from Experian on XX/XX/XXXX that the dispute was open and on XXXX Experian closed out the dispute with the same response about how the US court is how they verified the information. 

I called today XX/XX/XXXX at XXXX CST and spoke to 4 different agents who tried to tell me that they the US court is how Experian verify information and then one agent told me I would need to reach out to XXXX  XXXX XXXX or XXXX  back. The last rep was named XXXX and she told me that Experian does not verify information through the courts and the dispute SHOULD NOT have been closed stating that. I asked her can she tell me how Experian is verifying the Bankruptcy and she finally told me XXXX XXXX. I uploaded my document from XXXX XXXX reflecting how they have removed the bankruptcy from my file and I have information reflecting that it is NOW removed Experian has refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days. It has been well over 30 days with the back and forth with Experian. 
_____________________________________________________________________ On XX/XX/XXXX I sent a verification request to XXXX  and received no correspondence back. 
On XX/XX/XXXX I sent a second verification request to XXXX  and received no correspondence back. 
On XX/XX/XXXX I sent a third verification request XXXX  and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. 
On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the 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 non-monetary relief