Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There is a bankruptcy entry placed on my credit reports ( XXXX, Experian, XXXX ) and I have been trying for 5 months to have them removed. I have spoken with numerous representatives, supervisors, and managers. I have requested in writing as to how this erroneous public record has been placed on my reports and I have neither received verification/validation nor resolution. This is my 4th challenge of reportability of this bankruptcy in which I am currently awaiting results. I have spoken with representatives from all XXXX credit bureaus and inquired as to how XXXX, Experian, and XXXX verifies/validates their public records. I want to know this information because the public record keeps coming back as being verified under my name. I have had several different representatives inform me that the request/reportability is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I contacted the bankruptcy court in Nevada via U.S. mail and received a hard copy response advising that the court does not disclose, release or verify any information with the credit bureaus or any 3rd parties. 
I decided to submit an additional challenge of reportability of this bankruptcy and received return information stating that bankruptcies are verified by runners who go to the courthouse. I asked what information is verified by the runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureaus. My questions were not answered at that time and have not been answered to date via verbal or written response. I requested to speak with a supervisor/manager. The supervisor advised since this is a " re-investigation '', no runner is involved. He advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the bankruptcy court confirmed via written response that it does not verify any information with the credit bureaus. XXXX, Experian, and XXXX refuses to give me physical documentation ( tangible or electronic ) that they use to verify this alleged bankruptcy as mine. How were these bankruptcies accurately validated when NV Bankruptcy Court confirms that social security numbers are redacted to only the last 4 digits on consumers? Please assist me as a consumer in this matter as I want these alleged bankruptcies removed from all XXXX of my credit reports. My transactions with all XXXX credit bureaus have resulted in my issue not being resolved to date. There is a blatant failure to provide me with the information requested. Experian continues to state that they will not re-investigate my request. At this point, the representatives from all XXXX credit bureaus and their actions carried out pertaining to my consumer file are a violation of my rights and several acts of noncompliance under federal law.

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