Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have sent numerous letters to Experian asking them to validate a Chapter XXXX BK that is reporting on my credit report. Experian has responded back to my request on a few occasions indicating that the investigation has been completed and the company that reported the information has 'Certified ' to Experian that the information is accurate, therefore the outcome 'Remains ' and item was not changed as a result. In the Public Records section of the credit reporting, the following statement displays the following for the Chapter XXXX BK that is being reporting " This section includes public record items from courts that Experian MAY HAVE obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX. 

I sent numerous responses to Experian asking them the verification method that was used to validate the Chapter XXXX BK and that they send me that 'Certified ' letter from the company that claimed the information to be accurate ; which would include all contact information from them. 

They keep on responding back in their letters indicating the Chapter XXXX BK has been verified by the company that reported the information has certified to Experian that the information is accurate. The same responses are sent back to me as a generic answer to my request about validating the Chapter XXXX BK that is reporting under my credit report.. They never indicate the method of verification that was conducted with whom they identify as 'The Company '  who certified the accuracy of the Chapter XXXX BK. Who was the company, contact name and phone number? I could not even get an answer after a entire year of requesting this information. 

Experian has failed to legally validate the Chapter XXXX BK reporting on my credit report. They have no mention as to who validated the information to be accurate. 

Under the Public Records section of my report, they indicate that Public Record items from courts that Experian may have obtained through a 3rd party known as XXXX XXXX. My Consumer Report with XXXX is frozen and has been for quite some time for identity purpose, so Experian could not have validated this information with them. I have also contacted the 'USBK Court XXXX Florida ' asking how such information is validated with XXXX XXXX   and credit reporting agencies. The USBK Courthouse responded to my request in writing indicating they DO NOT validate such information with 3rd parties such as XXXX XXXX and have no jurisdiction over reporting agencies. 

Please find attached documents to back up my complaint + copy of my frozen consumer report with XXXX and a letter from the USBK XXXX Florida Courthouse indicating they do not verify public records with 3rd parties. Thank you!

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