Consumer complaint received 2015-05-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
THIS IS NOT A REQUEST FOR A REINVESTINGATION/DISPUTE BY EXPERIAN. 
On XXXX/XXXX/2015 I originally filed a compliant with the CFPB ( Case number : XXXX ) about Experian 's misrepresentations of a furnisher and the furnisher 's contact information pertaining to an inaccurate judgment/public record being reported on my credit report. 

More specifically, XXXX County Superior Court ID # XXXX. I disputed this judgment with Experian in a letter dated XXXX/XXXX/2015 pursuant to the FCRA. In response, in a credit report dated XXXX/XXXX/2015, Experian claimed that XXXX County Superior Court verified that this alleged judgment was mine. Thereafter I contacted the XXXX County Superior Court Clerk of Court,, XXXX XXXX, XXXX, who stated in pertinent part " In response to your request, the Clerk of Court is not a credit reporting entity and has never been a credit reporting agency nor does the Clerk have authority to report or delete credit information. '' He went on to say " It sees the credit reporting agencies have employees and/or contract employees that come to the Clerk 's office on a regular basis, sometimes daily, and review all files for a particular court and/or deed or lien record and enter data on a laptop computer or some other data storage unit. I believe any reporting to credit agencies is done by those employees and/or contract employees. I am unaware of their employer. The Clerk 's office has no involvement with this activity and makes no reports of documents recorded in the Clerk 's office. " Experian has clearly violated the FCRA and other State and Federal laws by willfully allowing an undisclosed third party access to post inaccurate information on my credit report under the guise of the XXXX County Superior Court. Rather than addressing the concerns in my original complaint to CFPB by deleting this inaccurate and unverifiable judgment from my credit file, or by providing the TRUE FURNISHER OF INFORMATION 'S name and contact information, Experian has chosen to play games with the CFPB and myself by exercising stall tactics. More specifically, in response to my original complaint, Experian claims it will take them 60 days to investigate this issue when they already know they have willfully misrepresented the Name and Contact information for the true furnisher of information and there is no way to cure this violation. Not to mention that I specifically stated that I was not requesting a " reinvestigation/dispute '' in the original complaint. That would be a complete waist of time since Experian has already investigated my dispute and allegedly " verified '' the information. 

In addition, Experian is clearly practicing stall tactics by willfully misrepresenting the following : '' We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. 
The address supplied in your complaint has never been reported to us previously by one of your creditors. In order to assist you, we must first verify your current delivery address. Please send XXXX items that verify your current address, with XXXX of those being a government issued id, along with your specific disputes or request for a credit report, to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. '' See the XXXX attached Experian credit reports, each of which were sent to me by Experian at the address provided in my original complaint as well as this one. Experian 's deceitful practices and stall tactics must cease immediately, as I am keeping record of these correspondences to report Experian to my Attorney General, the Federal Trade Commission and other consumer protection agencies. I will also use them to enter as evidence in court! Please delete this false, inaccurate and unverifiable judgment from my credit file immediately!

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