Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2023 I sent a letter to Experian ( tracking # XXXX ) to remove the inaccurate public record they were reporting on my credit file. With my letter I enclosed a copy of the court 's response about credit bureau verification. I enclosed this because Experian claims to have verified with the courts that the information they're reporting is accurate. The letter I received from the court contradicts what Experian stated. I also enclosed a copy of the letter I received from the third party vendor XXXX XXXX listed on my credit report who Experian claims to also obtain information from. The letter I received from them also contradicts what Experian is reporting on my credit report. My XXXX XXXX consumer report shows NO BANKRUPTCY. So how did Experian verify a bankruptcy on my credit report with them? Experian responded with a post card stall letter and then I received an official response letter on XX/XX/2023. In their letter they are still reporting the inaccurate public record. I then follow up with a XXXX letter on XX/XX/2023 ( tracking # XXXX XXXX XXXX XXXX XXXX ) since they didn't comply with the first letter and asked them to explain the discrepancies I saw being reported with the inaccurate information. I also challenged where they were verifying/getting their information from and requested that they furnish me with the actual petition. Once again they did not comply. On XX/XX/2023 I also sent a Method of Verification letter to them with ( tracking # XXXX XXXX XXXX XXXX XXXX ) with return receipt request. They had XXXX days from the date they received the letter ( which was XXXX XXXX ) to reply. And once again, they did not comply. In the meantime I also file a CFPB complaint against them. My complaint was closed XX/XX/2023 with inaccuracies STILL being reported on my credit report and them STILL violating my lawful rights according to the FCRA. 

Experian has violated my lawful rights, pursuant to section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( 3 ) ( E ) This law states, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Pursuant to section 604 of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( a ) ( 2 ) This law states, a consumer reporting agency can not furnish an account without my written instructions.

Pursuant to section 602 of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( a ) ( 3 ) This law states I have a right to a fair and accurate credit report.

Pursuant to section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) This law states that, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Pursuant to section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( 7 ) This law states Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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