Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/XXXX, I submitted a CFBP Complaint to all 3 Credit Reporting Agencies ( XXXX, XXXX, and Experian ) regarding this hellacious over a year long battle with all three agencies in trying to get fraudulent bankruptcies removed. Recently, XXXX, responded back stating they would block the bankruptcies provided, that I provide the supporting documents required for Identity Theft. I've provided a multitude of supporting documentation regarding the I.D.Theft /fraudulent bankruptcies I never filed in XXXX. This past week, I got results back from my dispute of the bankruptcies filed in XXXX from all three XXXX 's states - Experian ( XX/XX/XXXX ), said that the bankruptcies will remain on my credit file, and XXXX has certified the bankruptcies filed were confirmed as being accurate. XXXX  the same day ( XX/XX/XXXX ), also completed their investigation of the dispute saying XXXX the furnisher of information has verified bankruptcies are accurately reporting an will remain on my credit file until XXXX. XXXX  sent me their investigation resolution via mail around ( XX/XX/XXXX ), indicating XXXX has confirmed and verified the two bankruptcies as accurate. The issue is not the validity of the bankruptcies being filed ( XXXX, XXXX ), however, it was my personal information used, without my knowledge or consent. Now, the furnisher of information XXXX, in XX/XX/XXXX confirmed to me verbally that the two bankruptcy cases ( XXXX, XXXX ) were removed from my file. XXXX had gone even further, by providing to me a secure passcode that I could view/print the information they show in there system. 
I printed a copy of my XXXX file, and the bankruptcies were removed I provided a letter from XXXX dated XXXX XXXX, stating the two bankruptcies have been deleted from their files due to i.d.theft. In this last dispute with all three CRA 's, I sent certified mail to each CRA 's disputing these two bankruptcies on my credit file, however, all CRA 's responded saying missing identifying information therefore they have disposed on my documents. How are ( XXXX, XXXX, and TransUnion ) verifying information with XXXX the furnisher of information that doesn't exist according to XXXX. Unless each CRA can provide to me a copy of their investigation via XXXX, that will show a valid and confirmed investigation report with XXXX confirming the reporting of bankruptcy cases ( XXXX & XXXX ) as accurate. Either the CRA 's or XXXX is attempting to misled the consumer, and /or providing false information to the consumer, denying method of their investigations, witholding accurate reporting information, conspiracy in defauding the consumer of rights and liberty, which violates The FCRA/FTC Rights and Rules. Lastly, I am disputing these bankruptcies with all three CRA 's and XXXX. Also, the inaccurate reporting of the filed date in bankruptcy case XXXX.

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