Consumer complaint received 2015-12-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
ATTN CFPB DO NOT LIST THIS COMPLAINT AS A DUPLICATE! IT IS NOT A DUPLICATE LOOK AT THE DATE THAT IS LISTED ON MY EXPERAIN CREDIT REPORT FIRST! I AM RESPONDING TO THE INFORMATION THAT WAS LEGALLY PROVIDED TO ME BY EXPERAIN! 
I HAVE WRITTEN TO EXPERAIN SEVERAL TIMES IN REGARDS TO THE ILLEGALLY DISPLAYED INFORMATION THAT THEY ARE CURRENTLY DISPLAYING ON MY CREDIT REPORT! I HAVE REQUESTED SEVERAL TIMES THAT THEY LEGALLY VALIDATE THE US BKPT CT COURT XXXX, EXPERAIN HAS LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION SEVERAL TIMES! I HAVE PERSONALLY CONTACTED THE US BKPT, AND THE JUDGE IN REGARDS TO THIS MATTER, THE JUDGE IN THIS ALLEGED CASE HAS WRITTEN A LETTER ON MY BEHALF TO EXPERAIN, YET THEY CONTINUE TO REPORT INACCURATE INVALIDATED INFORMATION ON MY BEHALF. CFPB I WOULD LIKE TO KNOW WHY YOU HAVE NOT SENT MY COMPLAINT OVER TO THE FTC, BECAUSE EXPERAIN IS KNOWLY VIOLATING THE FAIR CREDIT REPORTING ACT, AND THE COLORADO FAIR CREDIT REPORTING ACT! I HAVE PROVIDED PROOF THAT EXPERIAN IS WRITTING THAT THEY ARE VERIFYING THE INFORMATION, WHO IS EXPERAIN VERIFYING THE INFORMATION WITH? BECAUSE THE US BKPT COURT HAS WRITTEN ME BACK SEVERAL TIMES STATING THAT THEY DO NOT CORRESPOND WITH ANY CREDIT AGENCYS, SO WHERE IS EXPERAIN RECIEVING THIER ILLEGALL INFORAMTION FROM? I HAVE CONTACTED XXXX XXXX IN REGARDS TO THEM REPORTING INACCURATE INFORMATION IN REGARDS TO THIS ALLEGED US BKPT COURT, AND THEY HAVE WRITTEN BACK TO ME TO CONTACT EXPERAIN IN WHICH I HAVE SEVERAL TIMES! I WOULD NOW LIKE FOR YOU THE CFPB TO DO YOUR JOB AND IF THIS COMPLAINT IS TOO COMPLEX TO SEND IT TO THE FTC BECAUSE THEY ARE THE ENTITY THAT CAN NOW EMPOSE FINES AND FEES AGAINST EXPERAIN FOR A DIRECT VIOLATION OF THE LAWS! IF YOU TAKE A LOOK AT MY PREVIOUS CREDIT REPORTS THAT I HAVE UPLOADED TO THE CFPB PORTAL FOR OVER 3 YEARS NOW EXPERAIN CONTINUES TO ILLEGALL CHANGE THE DATE IN WHICH THIS US BKPT IS ORIGINALLY SUPPOSTED TO BE REMOVED FROM MY CREDIT REPORT! THEY HAVE REPORTED THAT THE DATE IN WHICH THIS ALLEGED US BKPT WAS FILED WAS IN XXXX XXXX, AND THE DATE THAT IT WAS FIRST REPORTED WAS IN XXXX OF XXXX AND THE DATE STATUS IS XXXX XXXX, THESE DATES ARE INCORRECT, AND THIS ALLEGED US BKPT SHOULD BE COMPLETELY REMOVED FROM MY CREDIT REPORT! IF YOU TAKE A LOOK UNDER THE COMMENT SECTION ON MY NEW CREDIT REPORT THEY HAVE NOTED THIS ITEM IS SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX OF XXXX. THE FAIR CREDIT REPORTING ACT LAW CLEARLY STATES THAT A BANKRUPTCY CAN REMAIN ON A CREDIT REPORT FOR ONLY 10 YEARS!!!!! ON XXXX OF XXXX THIS ALLEGED US BKPT SHOULD BE LEGALLY REMOVED FROM MY EXPERAIN CREDIT REPORT! EXPERAIN CONTINUES TO ILLEGALLY CHANGE DATES ON ACCOUNTS WITHOUT THE PROPER VALIDATION ON THE ALLEGED ACCOUNTS WHICH IS A DIRECT VIOLATION OF THE LAW! WHO IS GOING TO DO SOMETHING FOR THE AMERICAN PEOPLE AGAINST EXPERAIN, WHO THINKS THAT THEY ARE ABOVE THE LAW AND CONTINUE TO XXXX AND STEAL FROM THE AMERICAN PEOPLE BY NOT FIXING THE MISTAKE THAT ARE BEING DISPUTED!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief