Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: IL
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:
I have disputed accounts, filed complaints, and submitted documents on multiple occasions ( which may not include all dates ) In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and they have repeatedly failed to comply with FRCA. 

I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. There are multiple records of the disputes including the credit bureaus and the CFPB. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion therof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everthing has to be 100 % accurate.

In previous disputes all the accounts listed below were stating listing in bankruptcy and the credit bureaus stated these items came back as verified and there is proof in previously disputed credit reports. Then I disputed again and whatever my dispute was the credit agencies allowed these companies to instead of deleting the information as evidently the previous " verified '' information was inaccurate. 

I have filed disputes and submitted evidence and proof that the accounts and inquiries are inaccurate and yet the credit bureaus are refusing to honor the FCRA. 

I am entitled to {$1000.00} per violation and the CFPB must enforce this law so that the credit bureaus won't continue to allow companies to not properly investigate but rather ruin and destroy lives with inaccurate information and refusal to abide by the law. 

If it were a proper investigation I would have received method of verification that I have repeatedly asked for and if they aren't able to provide such documentation then disputed items should be deleted. 

Some credit agencies make it nearly impossible to dispute inaccurate information and are denying another investigation even when presented with documentation. 

How can an account come back verified if the company sends you documents asking you to send them information so they can verify or do an investigation because they don't have the proper information? How can a credit agency do an investigation when they send you documents asking you to send in information to assist them in an investigation? 

The accounts and inquires should have been deleted upon presentation of the documents that have been supplied with the disputes. I should have been properly compensated {$1.00} per violation according to the 15 U.S. Code 1681n - Civil liability for willful noncompliance, This information is obtained off the XXXX XXXX XXXX Illinois website in regards to all bankruptcies that are reporting on credit reports " FAQ : Credit Reporting and the Bankruptcy Court Does the Bankruptcy Court report information regarding my bankruptcy case to credit bureaus?

The Bankruptcy Court has no interaction with credit bureaus, including Equifax, TransUnion, and Experian. The Bankruptcy C
ourt does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. 

How do credit bureaus access information regarding my bankruptcy case? 

The Clerk of the Bankruptcy Court has a statutory obligation to maintain an accurate record of all filings received by the Bankruptcy Court. Once a case is filed with the Bankruptcy Court, that case becomes part of the Courts permanent records. With few exceptions, filings in the Bankruptcy Court are public records. This means any person or organization can view them physically in the courthouse or through a computer system named Public Access to Court Electronic Records ( PACER ). The PACER computer system is the most common way credit bureaus access information regarding debtors and their bankruptcy cases. More information about the PACER computer system can be found at : https : //www.pacer.gov ( link is external ) Please be advised that the Bankruptcy Court has no control over what credit bureaus view on the PACER computer system and has no control over what credit bureaus do with the information they obtain through a public records search on the PACER computer system. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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