Consumer complaint received 2017-02-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My complaint with Experian is as follows : I have found an account on my credit report that I know to be reporting wrong and I notified the bureaus of this in XXXX to no avail. Not only was there no investigation, but I also received a letter stating that # XXXX they would no longer investigate and # XXXX that bankruptcies stay on my credit file for XXXXXXXX years. I did NOT request the time frame for public records. I asked for them to correct or remove the inaccurate account, which they did not. 
I provided the proof from my credit report via an Experian-related website that clearly shows information that does not belong to said bankruptcy. I also called the court and was notified that they do not, in fact, validate information with the credit bureaus and that they use a 3rd party to report the information. 
Please note : Federal law mandates that all the information on my credit file is required to be ACCURATE and COMPLETE and once I notify them of this, they are required to investigate. I have the physical petition in my hands, and this information does NOT match what I am seeing on my credit report. Below, you will find the letter that I have written to Experian as well as attached along with the original dispute and a copy of my credit report and identification. 

Letter dispute : Consumer Financial Protection Bureau Complaint # XXXX CC : Attorney General of CA - complaint submitted XXXX XXXX, XXXX via online submission BBB complaint submitted XXXX/XXXX/XXXX RE : Inaccurate information on my credit report I 'm confused as to why I 'm still seeing this inaccurate and invalid account on my credit report. I provided you the proof last month that you 're reporting this incorrectly and all you did was send me a report with a statement that says " public records such as bankruptcies may stay on your credit report for XXXXXXXX years ''. I did not ask you how long they stay on. I asked you to correct or remove this along with the proof that you 're reporting it wrong. I also called the court and received proof that you do not verify with them. 

My dispute is as follows : US BKPT CT CA XXXX XXXX XXXX Court name listed wrong : You have US BKPT CT CA XXXX XXXX and this is not the name of the court - this has to be listed accurately and I 'm proving to you again that its not! 
Date : I did n't file this on the XXXX of the month. Please send me the petition that reflects this exact date that you have listed. I possess the petition and it does, in fact, list an entirely different date! 
Docket # : the docket # XXXX is invalid and does n't belong to this bankruptcy. Send me the proof or remove it please You did not verify this and therefore, it has not been legally verified. Hence, I request that you remove this at once, as it is ruining my reputation and credit-worthiness. XXXX states that the only form of legal verification is possessing the physical petition to " verify ''. Please send me the court petition that reflects this exact information. 

Please send me an updated credit report immediately. 

XXXX XXXX

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