Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian po box XXXX XXXX, TX XXXX. 

Dear Experian : I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 I have previously disputed, Public Record, BK 18-12669 with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. [ see attachment A ] It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ( I ) and the information must be deleted immediately.

Thank you for your assistance. 

Dear XXXX : I am writing to dispute the following information that appears on my XXXX consumer report : Dispute 1 I have previously disputed, Public Record, BK 18-12669, reference # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. [ see attachment A ] It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 



Dear XXXX : I am writing to dispute the following information that appears on my XXXX consumer report : Dispute 1 I have previously disputed, Public Record, BK 18-12669 / Reference # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. [ see attachment A ] It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 


XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Request letter to remove inaccurate information To whom it may concern : Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that your reporting is what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance.

As a consumer report agency 15 USC 1681 ( a ) ( f ) you are governed by the Federal Credit Reporting Act, 15 USC 1681 et. seg. Which protects consumers from inaccurate, outdated and invalidated information reported to the consumer 's file.

The FCRA states that the consumer reporting agency is responsible to ensure that all information contained within consumers files in the account is free of errors. Your company is regulated and engaged in the business of assembly, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 USC 1681a ( d ).

According to federal law, you are required to comply with requirements imposed under FCRA 15 1681, et. seg., including but not limited to : 1. Followed reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required in 15 USC 1681e ( b ). This section imposes a high and often disregarded standard on consumer reporting agencies. [ See Burke v. Experian Information Sol., 2011 WL 105 at *4 E.D. VA March 18, 2011 ], breaking down the requirements 15 USC 1681 e, ( b ) and explaining that assure means to make sure or put certain, but beyond all doubts, maximum means the greatest in the highest degree of quality attainable and possible means somethings " failing with the bounds of what may be done, occur or to be conceived.

2. Comply with the investigation requirements as required 15 USC 1681 ( i ) 3. Should not provide consumer files to compare without determining that these companies had permission to obtain consumer file complaints pursuant to 15 USC 1681 ( b ) 4. Provide consumer file pursuant to 15 USC 1681 g, e.g.

I have previously disputed, BK 18-12669 / Reference # XXXX XXXX XXXX, and XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court.

For your convenience, I am providing a list of the items that YOU has been verified as accurate : Experian, Public Record, BK 18-12669 XXXX, Public Record, BK 18-12669, Reference # XXXX XXXX, Public Record, BK 18-12669, reference # XXXX I contacted the court and their response is enclosed. [ see attachment A ] It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ( I ) and the information must be deleted immediately.

Thank you for your assistance with this matter.

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