Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: PA
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 obtained my credit report through XXXX from Experian, XXXX and XXXX on XX/XX/2023. They list a public record ( a Bankruptcy ) reporting from a U.S. Bankruptcy Court XXXX Pennsylvania and U.S. Bankruptcy Court. This is a private matter and I never gave any of these agencies permission to report private information which holds me hostage in every mode of living, credit and employment. 

According to the law any account that is reporting on a consumer credit report must list the agency who is reporting it. Experian, XXXX and XXXX are reporting that the U.S. Bankruptcy Court XXXX Pennsylvania is reporting this information. 

I have attached a response from the ACTUAL U.S. BANKRUPTCY COURT XXXX  PENNSYLVANIA and I have included it in this complaint. It states : " the Bankruptcy Court DOES NOT REPORT any information to any of the credit reporting agencies ''.

BECAUSE THEY DO NOT REPORT, I REPEAT, U.S. BANKRUPTCY COURTS DO NOT REPORT TO CREDIT BUREAUS, all three credit bureaus are committing identity theft and fraudulently using the name of A U.S. BANKRUPTCY COURT to meet their quotas within the bureaus and further harm consumers. Additionally, they have damaged my reputation, my professional life, my mode of living and more by hiring third parties to seek out my private information to add to their websites and businesses. This deceptive practice must end IMMEDIATELY! How can this continue in America? What is going on? I had no idea that this was happening until this past year and I am asserting my consumer rights effective immediately! 

I sent a letter, identification, evidence all by certified mail to XXXX, Experian and XXXX on XX/XX/2023 requesting this practice to end and requesting removal of this attack against my credit. Here is my tracking information and I will include photos of my tracking information ( XXXX : XXXX XXXX XXXX XXXX XXXX, Experian : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX ). 

VIOLATION # XXXX ( Experian ) Experian did not send any physical response to my request for removal of information. According to the law 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) credit bureaus have 30 days to complete investigations. This is a violation of the FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). This requires an IMMEDIATE REMOVAL OF THE ACCOUNT from all of their records and reporting. 

XXXX and XXXX both responded and have illegally continued to report this information which is also a violation of the law. 

VIOLATION # XXXX ( Experian, XXXX, XXXX ) I never gave Experian, XXXX or XXXX authorization to access my private and confidential records and certainly not the inaccurate information they are reporting. They have no authorization to report according to FCRA 15 USC 1681b ( a ) ( 2 ). This is a violation of FCRA 15 USC 1681b ( a ) ( 2 ). 

VIOLATION # XXXX ( Experian, XXXX, XXXX ) Experian, XXXX, and XXXX are in violation of the law according to FCRA 15 USC 1681e ( b ) and FCRA section 611 ( 15 USC 1681 ) which requires accuracy. All three bureaus have totally different reporting information regarding a bankruptcy they should not even be reporting as they have no legal right to report. This is a violation of FCRA 15 USC 1681e ( b ) and FCRA section 611 ( 15 USC 1681 ). 

VIOLATION # XXXX ( Experian, XXXX, XXXX ) According to the law FCRA 15 USC 1681 ( a ) ( 4 ) by hiring third party entities to seek out my private information and then attach it to a report that affects everything I do is a grave violation of my right to privacy and therefore is a violation of my privacy. Obviously these agencies are incentivized to report any derogatory information at all costs. This is a violation of FCRA 15 USC 1681 ( a ) ( 4 ). 

VIOLATION # 5 ( Experian, XXXX, XXXX ) According to the law NO CONSENT IS IDENTY THEFT and these violations over 9 years is AGGRAVATED IDENTITY THEFT which adds to the financial penalties according to 18 USC 1028A ( a ) ( 1 ).

As a consumer, pursuant to 15 U.S. Code 1681 ( n ) civil liability, I am eligible for compensation for these violations regarding the illegally reported bankruptcy and I assert those today, XX/XX/2023. See the fair resolution below regarding these assertions of my consumer rights. 

Thank you for your time and attention to 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