Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: MS
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:
Attention : XXXX XXXX SVP Consumer Services Experian XXXX XXXX XXXX XXXX XXXX, Texas XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX cC : XXXX XXXX Sr. Attorney GROUP General Counsel, XXXX XXXX XXXX XXXX , XXXX IL XXXX Cc : Cc : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX I have filed three disputes and on XX/XX/2019 Experian deleted it. I also contacted the the bankruptcy court listed as the furnisher of this infomation and the account and the clerk responded that it did not provide this information to Experian ( Letter attached ). 
Experian have listed an inaccurate Chapter XXXX- Bankruptcy record on my file. On XX/XX/2019 I received notification via email and mail that this reporting was removed, REPORT # XXXX. Then on XX/XX/2019 - Report # XXXX & Reference # XXXX. I received notification that it was placed back on, and the Bankruptcy Chapter XXXX reporting item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from my file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other  means available to the agency. 
Also, under the Fair Credit Reporting Act, the original furnisher under FCRA 623 ( a ) ( 8 ), must provide variable proof of evidence, provided to Experian, conducted by a thorough investigation. If you have no proof, but state that the results of the investigation show the negative information is accurate, then I will have Experian on an actionable, sue-able offense.

FCRA 611 ( a ) ( 6 ) and ( 7 ) requires Experian to provide me with a description of the procedure used in providing and obtaining this particular bankruptcy recorded, including if it was obtained from a third part information broker and sold to your firm.  I legally have the right to see that the information that you are providing is metro-2 complaint and requires personal identifies. I have been advised by my consumer attorney, that EXPERIAN IS REQUIRED by the National Consumer Assistance Plan provisions to ensure that each public record does not create a mixed file circumstance, which I believe has happened in my case.

FCRA Section 611 ( a ) ( 2 ) also requires Experian to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy showing on my credit report that you maintain under my social security number. As well as Section 611 ( a ) ( 1 ) ( A ),  requiring Experian, by federal law to verify- through physical verification of the furnishers information you have listed on any filings on my credit report associated with every account.

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