Consumer complaint received 2021-11-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian continues to report an inaccurate Bankruptcy they are saying has been verified as accurate. However, they have yet to provide their source. XXXX does not have record of this so-called Bankruptcy ( per the enclosed ) and the XXXX XXXX CT XXXX has provided written documentation that they do not provide information to any credit reporting agencies or 3rd party data furnishers ( per the enclosed ).

Timeline : 1. Experian Response Dated XXXXadvising the public record information was provided by XXXX and was certified to be accurate 2. Experian Response Dated XXXXadvising the public record information was obtained through XXXX 3. XXXX Deletion Dated XXXXadvising after reinvestigation the " alleged '' Bankruptcy was removed from the XXXX report 4. XXXX Response Dated XXXX they were unable to located the disputed item ( Bankruptcy ) in their databased 5. Experian Certified Letter Dated XXXXsubmitted all supporting documentation from XXXX and US Bankruptcy Court and previous letters to Experian requesting re-investigation 6. Experian Certified Letter Tracking-confirmation letter delivered to Experian on XX/XX/XXXX XXXX. Experian Print Screen-dated XXXX '' the company that reported the information has certified to Experian that the information is accurate '' listing XXXX XXXX CT MD XXXX as the court name. 
8. Experian Print Screen-alert dated XXXX " The dispute for the bankruptcy named XXXX XXXX Ct MD XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. '' I am demanding that Experian provides a written description of the procedure used to determine the accuracy and completeness of the alleged Bankruptcy, including the business name and address, and telephone number of any furnisher of the information contacted as well as documentation of the Bankruptcy under my name and social security number. As outlined per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( 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 consumer 's 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 investigation 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. '' I have provided ample documentation that Experian has failed to provide proof that this Bankruptcy is accurate in belonging to my credit profile. 

This Bankruptcy as reported has been challenged with Experian for almost a full year ( since XX/XX/XXXX ), yet they continue to violate the FCRA and my consumer rights by reporting an inaccurate, unverified Bankruptcy which is affecting my ability to obtain credit and apply for certain employment. Seeing that this has been challenged for so long, 611 ( a ) ( 1 ) ( B ), extension of period to reinvestigate, does not apply to Experian as they have had ample time to verify this account to be accurately reporting and provide written documentation of their method of verification including documentation of the alleged Bankruptcy under my name and social security number. 

I am demanding this Bankruptcy and all accounts ( with said comments listed in the Experian letter dated XX/XX/XXXX sent via certified mail and marked as delivered on XX/XX/XXXX ), relating to said alleged Bankruptcy are deleted immediately from the credit file maintained under my name and social security number as Experian is in clear violation of the FCRA and my consumer rights.

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