Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received my credit report regarding Public Records listed below : Public Record : 1. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with Experian, XXXX and XXXX on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy Court, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy Court, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that XXXX, Experian, and XXXX verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed XXXX, Experian and XXXX, with the attached document from the US Bankruptcy XXXX XXXX, XXXX XXXX XXXX Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public Records. So, XXXX, XXXX and Experian is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which Experian and XXXX uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with XXXX, Experian and XXXX does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, XXXX, Experian and XXXX have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that XXXX, Experian and XXXX remove the above-mentioned bankruptcies from my credit report 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