Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: MI
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:
Under my FCRA rights, I have been filing disputes and requesting verification of the following public record/account listed on my credit reports with XXXX, XXXX, and Experian since XX/XX/XXXX. ( All first and second round letters went certified mail & proof of letters attached with this complaint ). All three agencies continue to report on my credit record the folllowing account : XXXX XXXX XXXX/Bankruptcy # XXXX. Both XXXX  and Experian list XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX themselves ). 

After my first round of disputes, XXXX  deleted this account on XX/XX/XXXX ( file attached with this complaint ). 

XXXX, Experian, and XXXX  did not include the procedure used to determine the accuracy and completeness of this disputed information including the business name, date, address, telephone number and whom they spoke with as the furnisher of information. I specifically requested this information during my first/second round letters pursuant to my rights under the Fair Credit Reporting Act. Not ONE of these reporting agencies have shown proof of this account. In fact, XXXX sent their dispute results letter to me that as of the date listed on letter ( XX/XX/XXXX ) that XXXX have not received a response from XXXX  and Experian!!! ( letters attached with this complaint ). 

On XX/XX/XXXX, I called XXXX at the number listed in my security freeze letter at XXXX and spoke with a consumer consultant named " XXXX '' who indicated that indeed my security freeze was done on XX/XX/XXXX ( confirmation letter attached with this complaint ). XXXX also indicated that neither Experian or XXXX  inquired on my record on/around the dates they listed on my dispute results from BOTH credit reporting agencies. 

" XXXX '' at XXXX also indicated that they would begin a dispute for me with the actual courthouse listed as US BKPT CT MI XXXX XXXX, MI for verification. I questioned how XXXX dispute process works. XXXX indicated that they sent out a letter to the courthouse and they have 30 days in which to respond. I thought that's what they did when I started my online dispute on XX/XX/XXXX?? ( proof of email attached within this complaint ). 

I contacted the US BKPT CT MI XXXX XXXX, MI and they sent me a letter indicating they do not " report individual bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus '' ( Letter from this courthouse attached with this complaint ). 

So, how is XXXX going to get this information verified? I also emailed XXXX  who also indicated that they do " not contact consumer reporting and credit reporting agencies ( email confirmation attached with this complaint ). Is this all a scam? 

I demand that this public record XXXX XXXX/Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of the verification date. My rights have been consistently & repeatedly violated under the Fair Credit Reporting Act, just like the Civil Case No. 3:15-CV-00443-MHL, James Jenkins , Et Al. , v Equifax Information Service , LLC. Please remove this public record and send me updated credit reports. Respectfully, XXXX XXXX ( proof of identity attached with drivers license and ssn card ).

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