Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX I sent a formal dispute letter to Experian, there company is in connection with violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices.

I received a copy of my credit report and the items listed below show status as discharged through bankruptcy XXXX XXXX. The bankruptcy was deleted from my credit file because it was unverifiable. You can not report the accounts included in a bankruptcy and there is no such bankruptcy on file. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be deleted because they are reporting inaccurate information. 

XXXX. XXXX BANK Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX CARD Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX OF XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX Account XXXX : XXXX DELETE this account in the Credit Report. 

XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX CARD Account Number : XXXX DELETE this account in the Credit Report. 

XXXX. XXXX XXXX Account Number : XXXX DELETE this account in the Credit Report. 

According to the FCRA, I have the right to an accurate consumer/credit report and According to the FCRA, your company is violating several of my consumer rights. See List Below.

15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( e ) Procurement of Consumer Report for Resale ( 1 ) Disclosure. A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 604 [ 1681b ] for which the report is furnished to the end-user of the report ( or information ).

15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

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