Consumer complaint received 2015-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am so angry about the XXXX major credit bureaus ( the " CB '' ), and their investigations are bogus! Each agency said they " verified '' with XXXX XXXX XXXX Public Records ( in XXXX, CA ). Each XXXX referred me to XXXX XXXX, " to have them remove it off my CB ''. I called XXXX Recorder 's office and I was told, CB 's do NOT verify with them, they send out a third party to 'look over ' records on the internet. In no way does XXXX XXXX have time nor the funding to pay their staff to look up each CB investigation for verification. I was also told they are like a library that archives court filings ONLY, so they do not have anything to do with reporting tax liens or other public records to CB 's! They also made it very clear they DO NOT REQUEST DELETES FROM CB 'S EITHER and that if the CB really did their investigations, they would see that CA XXXX only files a Certificate of LIEN Release which has been since the XXXX has opened it doors! They told me to demand the XXXX remove that public record because they are REPORTING IN ERROR! 

Further, I had verified this with the CA XXXX they do NOT report to the CB 's either. They verified with their legal department that the ONLY PROOF OF EVIDENCE I NEEDED TO GIVE THE CB 'S WAS STAMPED COPY OF FILED DOCKET # THAT IS ON THE CERTIFICATE OF LIEN RELEASE BECAUSE THAT IS ALL THE CB XXXX FILES for WITHDRAWALS! The CA XXXX does not, and never has issued a certificate of withdrawal. They told me CB 's had only used the XXXX of Lien Release to delete withdrawals on CR 's! Also, even though I did not have to submit the CA XXXX withdrawal letter on CA XXXX letterhead, this proof of supporting evidence should have been more than enough to have each CB DELETE THAT CA XXXX TAX LIEN FROM MY CREDIT REPORTS! 

I have been round and round on this with XXXX, with XXXX XXXX and Experian! Just this week, XXXX XXXX deleted this tax lien on XXXX/XXXX/XXXX and the next day XXXX XXXX, XXXX THEY REINSERTED IT and then, ADDED MORE YEARS IT WOULD REMAIN ON MY RECORDS! Experian did the same thing and they increased the time to XXXX! XXXX did same- reinserted. 
I have since filed several disputes with each CB since this tax lien was withdrawn by CA XXXX in XXXX XXXX. I have been diligent of each CB status investigation, and I have provided all XXXX bureaus the official Certificate of LIEN Release copy with Court Filing stamp and docket number. I also included an Official letter from the, CA XXXX XXXX XXXX, that STATED my tax lien was WITHDRAWN AND I WAS NOT LIABLE FOR DEBT ; this was supporting evidence of PROOF! 

I want your agency to know that the CB 's ( all XXXX ) are fighting with consumer 's either by phone, online, or mail. They leave incorrect public records on their reports and in turn they send us high APR % credit card offers which they probably get kickbacks from those banks ( thru their sponsoring 'free credit scores ' websites ). They send out bogus third party verification teams to 'verify ' public records, but they do not check with the issuing STATE ( for tax lien withdrawals ) too investigate further, and they will not seek fact of information from the STATE regarding what a Certificate of Lien Release means! BECAUSE AS STATED BY THE CA XXXX and XXXX, THEY DO NOT REPORT AND THEY DO NOT REQUEST DELETES FROM CB 'S. This is where the CB 's are telling consumer 's to go request deletions from -- - XXXX XXXX and the state ; but they tell us, " you have the certificate of release and your withdrawal letter stating you are no liable for debt! " I KNOW I AM NOT THE ONLY CONSUMER THAT IS HAVING ISSUE WITH THESE CREDIT BUREAUS. I can only think that since the IRS issues Tax Lien WITHDRAWAL certificates under the " federal fresh start program '', the CB 's are demanding the same from each state! EVERY STATE IS DIFFERENT! In the meantime, your American consumers are being screwed by all XXXX credit bureaus!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation