Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have sent several letters to Experian asking them to validate a Chapter XXXX BK that is reporting on my credit report. Included with every single inquiry letter was my social security card and Drivers XXXX for Identity Validation purposes. Experian has responded back to my request on a few occasions indicating that the investigation has been completed and the company that reported the information has 'Certified ' to Experian that the information is accurate, therefore the outcome 'Remains ' and item was not changed as a result. In the Public Records section of the credit reporting, the following statement displays the following for the Chapter XXXX BK that is being reporting " This section includes public record items from courts that Experian MAY HAVE obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX. I sent numerous responses to Experian asking them the verification method that was used to validate the Chapter XXXX BK and asked that they send to me the'Certified ' letter from the company that claimed the information to be accurate ; which would include all contact information from them. As of date, I have yet to receive 'Validation Method ' used to certify accurate information. Experian also mentions in their responses to my inquiry that they will not Re-investigate this request. Why not? This is my right to request a validation for an item on my credit report that has caused me to be denied a mortgage. If Experian has not sent me proof of their 'Certified ' validated outcome, I have the right to keep on asking for method of validation used to support their outcome. 

I took it upon myself to contact XXXX XXXX and find out the method that Experian used to validate my inquiry. Since my consumer report is frozen, I was told by both a supervisor and manager at XXXX XXXX that it was impossible for Experian to verify such information due to my consumer report being frozen and I have opted out to suppress any of my public records for my own identity purpose. 

My Consumer Report with XXXX is frozen and has been for quite some time for so Experian could not have validated this information with them. I have also contacted the 'USBK Court XXXX Florida XXXX asking how such information is validated with XXXX XXXX and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies. Please find attached documents to back up my complaint + copy of my frozen consumer report with XXXX and a letter from the USBK XXXX Florida Courthouse indicating they do not verify public records with 3rd parties. Thank you!

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