Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: UT
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:
I have disputed this inaccurate erroneous information that was placed on my credit report from Experian stating this information has been verified. The company does not have my social security number or date of birth. But Experian state on there website the company contacts the court. Which court did they contact? and whom did they speak with? I would to know what methods Experian used to acquire this information. The federal Court house do not provide personnel information nor sell it. This the information that is on there website down below. 

Experian will contact the court and ask them to verify the information, and will then notify you of the results. If you have documentation to support your dispute, Under CFPB 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] ( B ) to dispute, under section 611 [ 1681i ], with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 623. Responsibilities of furnishers of information to consume
r reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and 88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( 4 ) Duty to provide notice of closed accounts. A person who regularly and in the ordinary course of business furnishes information to a consumer reporting agency regarding a consumer who has a credit account with that person shall notify the agency of the voluntary closure of the account by the consumer, in information regularly furnished for the period in which the account is closed. 

Under CFPB FCRA I request Experian to provide information that has been placed on my credit file unauthorized without my social or date of birth. Please keep in mind this not a third party asking for information. I am the holder of the credit report and request as a consumer to have my rights heard since its been violated under the FCRA. The public information of my credit report is inaccurate of this bankruptcy. I request that CFPB investigate this false information placed on my credit report that is preventing to obtain credit, personal loan, car loan, home loan

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