Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
State: NV
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 am asking that the CFPB and or FTC take legal action against Experian. I am informed and beleive that Eperian has been subject to administrative and civil legal action for similar coduct in the past. I believe that Experian is not acting in good faith and engaging in dilatory conduct for the following reasons. 

On of aboutXX/XX/XXXX I submitted a dispute to Experian disputing the accuracy of a Chapter XXXX Bankruptcy on my Credit Report. On or about XX/XX/ Experian denied my dispute claiming the information was accurate. On or about XX/XX/ i cuased an appeal pursuant to the FCRA regulations and FTC policy to be served on Experian via USP Priority Mail I informed Experian that I was informed and beleive that nobody had contacted the Clerk of the Bankruptcy Court on behalf on Experian to validate the bankruptcy and I asked for the person who validated my bankruptcy in te offcie of the clerk, and the name of the person contacted, their phone number, and the date, and the time of the call verifying my bankruptcy by my name, SSN #,, and DOB OnXX/XX/XXXXI called Experian to see if they had received my appeal they claimed they had not created a record of the same. The telephone representative told basically told me good luck that the burden was on me and I would have to proof that the bankruptcy was not lawful. After this conversation and the incorrect, if not unlawful description of the law by the representative it was clear that Experian was not taking my issue seriously Thus. thereafter I looked on the internet to see if there was any litigation involving Experian and my issue this was much litigation. Both civil and administrative. Apparently a large class action lawsuit provided no incentive for Experian to change their training and corporate culture Thereafter onXX/XX/XXXX I caused an initial complaint to be filed with the CFPB against Experian. Said complaint is pending On XX/XX/ i received an e-mail from Experian stating that they had received my aforementioned appeal and that it would be resolved by XX/XX/ That on XX/XX/ less than twenty-four ( 24 ) hours later I received a subsequent e-mail from Experian claiming that their vendor, presumably XXXX had verified my bankruptcy In other words XXXX as they previously unlawfully attempted to do with others, and again in my complaint. They are knowingly relying on unreliable hearsay from a 3rd party likely XXXX-the vendor they refer to in theirXX/XX/XXXX response. This is akin to one of my neighbors a retired XXXX XXXX simply avering that the bankruptcy is not mine. 

Experian knows that the method of validation that they are using is unlawful and insufficient. I ask that the FTC seek declaratory and administrative relief on my behalf ordering Experian to delete the bankruptcy from my credit report based on this unreliable method of validation. it is an example of the paradigm " garbage in-garbage out ''. I am not seeking monetary damages at this time. I am a XXXX individual I receive XXXX. It is not cool for Experian to make me type in response to their dilatory and bully tactics, however, I am hopeful that the rule of reason will still save the day IN THE INTERIM ONXX/XX/XXXX I RECEIVED A LETTER INFORMING ME THAT I HAD BEEN DENIED CREDIT SOLELY AND ONLY BECAUSE OF THE BANKRUPTCY LISTED IN MY EXPERIAN CREDIT REPORT Please help me

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