Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have previouslydisputed a bankruptcy on my credit report due to errors being reported incorrectly. I made a dispute to XXXX and Experian and they responded that they have verified the item as accurate, stating that they have verified the information by a third party and by the court. It is clear they do not report to you or credit bureau for that matter. Therefor the response from the credit bureau was either an error or a lie. I tried contacting the court Listed on my credit report but there is no court by the name of XXXX XXXX or XXXX XXXX XXXX  IL XXXX that holds a court record of a XXXX XXXX and XXXX in my name.credit bureaus stated that they had done " proper investigation '' and all information was " correct ''. The Credit Bureaus never did a proper *investigation '' according to the FCRA XXXX Either way the reporting requirements do not comply with FRCA 15 U.S. Code 1681i ) and the information must be deleted. XXXX is not reporting or furnishing this information/account at all. There are multiple errors! 

The term " investigate '' consumer report means a consumer report or portion thereof in which information on a consumer 's 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, They did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

15 U.S. Code 1681i - Procedure in case of disputed accuracy states in section ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Section 5 states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer.The Credit bureaus stated my account was properly investigation but how is that possible if on my report thereference number is reported different and the court name shows two different courtnames. This ground for removal.

They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 US C 1681 Section 604 A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions. 

I never gave written consent. 
I have attached a copy of the bankruptcy accounts that are reporting inaccurately with multiple errors. Please thoroughly investigate these accounts and remove all accounts with errors.

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