Consumer complaint received 2020-09-30
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX. 2020 I pulled my credit report and there was a public notice about bankruptcy being reported by a company called XXXX. So, I called XXXX and asked if they reported this to the credit bureaus? If so, how did they obtain and verify the information was correct? They explained to me that the information was reported to them directly from the courthouse staff. So, later that day on XX/XX/2020 I contacted the bankruptcy court ( XXXX District Clerks office ) to ask how this information was reported and which agent or staff reported it. I was advised by one of the staff by the name of XXXX XXXX that they DO NOT give or release information to credit bureaus or and other companies. I received a letter from the court from the Deputy Clerk XXXX XXXX that states that the U.S. Bankruptcy Court DOES NOT report to the credit bureaus. It was noted on the said report that the information was provided by XXXX. So, on XX/XX/XXXX I sent out a Notified and Certified letter with TRACKING ID XXXX XXXX XXXX XXXX XXXX I seen where the letter was delivered on XX/XX/XXXX at XXXX XXXX. Information for verification included my Virginia Drivers license and Social Security Card attached to said letter. The letter asking that my account with your company XXXX be frozen so that I can look into this matter. On or around about XX/XX/XXXX I received a letter from XXXX stating : I quote XXXX has conducted a search of its databases based on the information provided to us, but was unable to locate a file sufficiently matching your data. 
I again on or about XXXX2020 I pulled my credit report again hoping that because the information was not able to be found, then it should no longer be on my credit reports, as I have now made XXXX aware that it was reporting inaccurate information. Thus, also being that XXXX didnt/should n't have a file for me to be reporting out. With the information on the report, I disputed with the credit bureaus and explained and provided the proper documentation from XXXX and the bankruptcy court hoping it would be removed. 
On XX/XX/2020 I received a letter from 2 of the Credit bureaus with the dispute results stating that : I quote Outcome : Remains The company that reported the information has certified to Experian and XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have been denied credit and the reason for denial is ONLY reported BANKRUPTCY. I have had to obtain an auto loan with super high interest, again the reason for BANKRUPTCY. I would like to bring this to the CFPB attention because I'm sure that I'm not the only one this has happened to. 

I sent copies for all my proof to XXXX that include the following ad nothing has been done yet. 
1. Letter to XXXX to freeze my account with them Dated XX/XX/2020 attached is my Virginia Drives license and SSN card 2. Tracking information for letter noted above 3. Tracking information printed from the USPS website showing ( Delivered ) 4. Letter from XXXX stating that they had no file with the information provided 5. Part of the dispute letter sent to the credit bureaus disputing the wrong inaccurate information. 
6. Copy of the letter from Experian stating that the Information was verified and is correct. 
7. Copy of letter from the Deputy Clerk from the bankruptcy 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