Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent a letter to the U.S Bankruptcy Court located in XXXX Ga. In the letter I asked them if they reported information to Any Credit bureau in regards to bankruptcies. The response for them was NO! they do not communicate this information to anybody. So, If this is true how did any of the credit bureaus verify that the information was true and valid, if the courts did not verify this information and I did not verify this information on my behalf? Please explain to me how the XXXX this information is 100 % valid! 

According to 15 USC 1681 Sec 603 ( 3 ) ( E ) states " The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' So, who did the credit reporting agencies ( Experian, XXXX XXXX ) verify this information with? When, where and how? These XXXX credit bureaus have violated my rights tremendously and on a numerous amount of times. 

They ( Experian, XXXX, XXXX ) has violated my natural rights as a consumer by violating my privacy. According to 15 USC 1681 section 602 ( a ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681 section 604 ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions from the consumer to whom it relates. Which I nor my husband has ever given written consent to them. After mentioning all this first and foremost this information should have never been placed on my credit report in the first place. 15 USC 1681c Section 605 ( a ) ( 1 ) states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. These cases are only allowed to be added to a credit report by a consumer reporting agency it it is given to them by the source which I am the source or the U.S Bankruptcy Court. This can be found in 15 USC 1681c Section 605 ( d ) ( 1 ) ( d ) Information Required to be Disclosed ( 1 ) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11, United States Code, shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. 

All three of the credit bureaus have put an extreme strain on my families life. I have been denied jobs, cars, rental properties, lost finances, my lively hood has been destroyed all the way around. My character has been questioned which is holding my business back from growing which is not fair when they are breaking all the laws that congress has created to protect the consumer. All consumer reports shall be reporting accurate information in a fair manner.

15 USC 1681 section 602 ( a ) states " Accuracy and fairness of credit reporting.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
These business need to be shut down, just like any other business that is committing fraudulent activities! This has to stop!

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