Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a certified letter of request to all XXXX CRA 's in XXXX, XXXX, to remove from the record a XXXX, XXXX, Chapter XXXX bankruptcy. I based this request upon having first disputed the public record in XXXX, XXXX, to verify the public record, and then again in XXXX, XXXX ( Experian XXXX ), as to its source of verification. All three CRA 's stated that each has verified the source that furnished the information and that " the public record is reporting correctly. '' I then reached out to the US Bankruptcy Court of Arizona to request how it reports bankruptcies to all three CRA 's. I received a detailed letter dated XXXX XXXX, XXXX, from the Deputy Clerk of the US Bankruptcy Court of Arizona, XXXX XXXX, in which he states that " the bankruptcy courts do not provide information to the credit reporting agencies, '' and credit reporting agencies and " other providers '' get their information gleaned from public notices. I sent a copy of this letter to each CRA, along with a copy of the FTC-FCRA Opinion XXXX legal statute generated as a result of matters such as this in which CRA 's argue each has verified the public records with the source, but the actual sources argue they never furnish public record information to any of the CRA 's. When I called on each CRA to immediately remove my bankruptcy public record as a result of the letter from my bankruptcy Deputy Clerk and the legal statute protecting consumers from false information being reported by CRA 's, only XXXX deleted the bankruptcy public record. Both XXXX and Experian, although promptly responding within 30 days to my certified letter request to remove the bankruptcy public record, as a result of my written request denied it with only a result of that the record remains, and that " I must contact the furnisher of the information. '' Frustrating! Aaaaargh! However, again, I did this to begin with -- hence, how I received a letter from the US Bankruptcy Court of AZ in the first place stating it does not furnish information to the CRA 's, and so I provided a copy of this response to each CRA. Again, only XXXX promptly deleted the public record. Both Experian and XXXX either will not or denies there is enough evidence from me to have them delete the record. XXXX even went as far as to state, over the phone, that I need to have a legal letter of expungement from a court to have this public record deleted. This is absolutely false and untrue. This is a direct violation of the XXXX FTC-FCRA XXXX legal statute protecting consumers. Each CRA has a copy of the letter from the US Bankruptcy Court of AZ. What more damning evidence does Experian and XXXX need before it promptly and legally deletes this public record from my credit reports? I am simply dumbfounded by what I can only construe is arrogance and a staunch stance by Experian and XXXX to not remove this public record in spite of evidence showing each has lied or misrepresented itself and thus is refusing to acknowledge the XXXX FTC-FCRA XXXX legal statute regarding my dispute as well as the letter from the US Bankruptcy Court of Arizona.

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