Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello on XX/XX/2023 I submitted a dispute into Experian regarding a bankruptcy and how it was reporting on XX/XX/2023 Experian verified the dispute as accurate and verifying correctly I requested a reinvestigation as we know this is a direct violation according to FCRA 15 USC 1681I They are required to provide me with correct accuracy as well as their method of verification. This is affecting me because I am trying to purchase a home and need to move in XXXX days which I can not do because they will not take there time to verify my information but instead send me a generic response I am aware of the E- Oscar system which I know is a stall tactic to in doing a proper investigation like requested please review the documents and proof I have attached to verify the courts do not report to the credit bureau and they obtained this information from XXXX XXXX a third party which got my information from pacer.gov I never consented to this Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number.

( b ) Exemptions From the Redaction Requirement. The redaction requirement does not apply to the following : ( 1 ) a financial-account number that identifies the property allegedly subject to forfeiture in a forfeiture proceeding ; ( 2 ) the record of an administrative or agency proceeding unless filed with a proof of claim ; ( 3 ) the official record of a state-court proceeding ; ( 4 ) the record of a court or tribunal, if that record was not subject to the redaction requirement when originally filed ; ( 5 ) a filing covered by subdivision ( c ) of this rule; and ( 6 ) a filing that is subject to 110 of the Code.

( c ) Filings Made Under Seal. The court may order that a filing be made under seal without redaction. The court may later unseal the filing or order the entity that made the filing to file a redacted version for the public record.

( d ) Protective Orders. For cause, the court may by order in a case under the Code : ( 1 ) require redaction of additional information; or ( 2 ) limit or prohibit a nonparty 's remote electronic access to a document filed with the court.

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