Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bearing in mind I received my annual credit report, I noticed that there were some erroneous credit inquiries that I did not authorized and it includes entries like a Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, and multiple inquiries for credit I did not authorize. I contacted Experian on XX/XX/XXXX via certified mail about the recently negative information reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX- XXXX in the file Experian maintains under my Social Security number. Upon reviewing a copy of my credit report, I see an entry states I filed a Chapter XXXX Bankruptcy in XX/XX/XXXX and the Chapter XXXX Bankruptcy was Discharged in XX/XX/XXXX. I perceive theres an entry that states I filled a Chapter XXXX Bankruptcy in XX/XX/XXXX. I challenged the accuracy, compliance and reportability of this listing. I requested Experian to please validate this information with XXXX XXXX XXXX XXXX XXXX- XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file that Experian maintains under my Social Security number. I reminded Experian that they had 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keep careful records of Experians actions, including XXXX Method of Verification. I did not consent to XXXX or any means of automated verification. While Experian conducted their investigation, I contacted the XXXX XXXX XXXX XXXX XXXX- XXXX via certified mail and return mail. In respond to my certified letter, the XXXX XXXX XXXX XXXX- XXXX reported that they do not report or verify information with credit bureaus and credit agencies do not contact the Court to verify bankruptcy filing. Therefore, Experian has willing and knowingly report inaccurate, incomplete, unfair, unverifiable information on my credit file bearing my Social Security number. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) 623 [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ), states the duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Furthermore, Experian has not updated my credit file bearing my Social Security number. I went to XXXX XXXX Police Department in XXXX, New Jersey to file an Identity Theft report but was denied because there was not a balance from the unauthorized inquiries for credit, Chapter XXXX Bankruptcy, and Chapter XXXX Bankruptcy. Experian has violated the FCRA and I request that immediate removal ALL unauthorized inquiries, the Chapter XXXX, and Chapter XXXX Bankruptcy as listed from the XXXX XXXX XXXX XXXX- XXXX XXXX Experian continues to violates my rights as a consumer and consumers nationwide by means of denying consumers the right of an accurate credit file bearing their Social Security number when willing and knowingly reporting false or inaccurate information on their credit files bearing their Social Security number.

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