Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: TX
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:
Subject : Continuing Request for Urgent Assistance : XXXX XXXX XXXX XXXX Bankruptcy XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am writing to you once again in great distress regarding the persisting issue of unjust and incorrect bankruptcy reporting on my credit profiles maintained by XXXX and Experian. 

This marks my fourth attempt to seek your intervention and resolution in this matter, yet my previous requests seem to have gone unheeded. As you review my prior interactions in the CFPB portal, you will observe a concerning pattern of responses from the credit reporting agencies ( CRA ) - XXXX and Experian. Their repeated assertions of accuracy, despite compelling evidence, have left me feeling utterly frustrated and helpless. 

My journey to rectify this situation began in XXXX of XXXX, when I initiated the dispute process with the credit reporting agencies, attempting to correct the inaccuracies. Since then, I have engaged in extensive correspondence, providing unequivocal proof from the courts, and more based on their responses like providing XXXX removed the items who reported it to XXXX and Experian. 

With every dispute I initiate, the responses from XXXX and Experian inevitably steer towards the use of PACER ( Public Access to Court Electronic Records ) which do not show the full social security number and other sensitive personal information and XXXX as sources for their data. It is troubling that they repeatedly emphasize PACER as an infallible repository of court records, thereby justifying the credibility of their reported information. ITs weird each time they say they reach out to data furnishers and pacer and the courts when pacer has no record of that and the courts and that XXXX  sent the update to remove it after i disputed with them. 
both XXXX and Experian even have a webpage saying they get the infromation for profit from XXXX  and to contact if it was reported on your file prior to XX/XX/XXXX lol. these public records on my file is prior to XXXX. 

However, the situation becomes all the more bewildering when we contrast this stance with the actions of XXXX, a source they heavily rely upon. Upon meticulous examination of the same evidence, XXXX promptly acknowledged the inaccuracies and diligently undertook corrective measures. XXXX, a fellow XXXX XXXX XXXX XXXX, mirrored this response by swiftly rectifying the discrepancies. 

To put in emphasis In my earnest quest for a resolution, I dutifully engaged with the courts, PACER, and XXXX, adhering to the guidance provided by XXXX and Experian. 

It's worth noting the stark difference in responsiveness between XXXX, a respected third-party data provider they used to verify lol, and the credit consumer reporting agencies themselves. 

The evident inconsistency between their claims and the actions of their data sources raises fundamental questions about the sufficiency and impartiality of their verification procedures. Beyond compromising my rights under the Fair Credit Reporting Act ( FCRA ), this incongruity casts a shadow of doubt over the reliability of my credit information and my financial stability. 

It is vital to underscore my concerns within the context of established laws and regulations that protect consumer privacy and credit reporting accuracy : Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) : This cornerstone provision mandates that consumer reporting agencies conduct reasonable investigations of disputed information upon consumer request, ensuring the veracity of credit reports. 

FCRA Section 623 ( a ) ( 8 ) : This section obliges consumer reporting agencies to disclose the sources of information and provide accurate data to consumers. The agencies ' reliance on PACER and XXXX must be in line with this requirement. 

FCRA Section 616 : This provision outlines the responsibilities of data furnishers, necessitating the provision of accurate and complete information to consumer reporting agencies.

Right to Privacy : It is crucial to acknowledge my explicit non-consent to the reporting of these bankruptcy records. The mere public nature of these records does not negate my right to privacy concerning information I never authorized for credit consumer reporting purposes. 

Furthermore, it is pertinent to highlight that even the courts have asserted that they do not engage in verification processes for credit reporting agencies. This disavowal from the courts themselves contradicts XXXX and Experian 's claims of rigorous verification through PACER. 

In light of these factors, I implore your expertise and authority to undertake a comprehensive and impartial examination of the evidence at hand. The evidence encompasses acknowledgments of inaccuracies by courts and third-party vendors, as well as corrective actions initiated by XXXX and XXXX. 

I called XXXX after the three disputes with the CFPB and XXXX  and including the attorney general in my state if TX and where they headquartered because both EXPERIAN and XXXX said to contact them, and XXXX stated they sent information about the update and removal to EXPERIAN and XXXX. but still nothing lol. 

I also sent a personal information letter more than once to EXPERIAN, and they continue to say other addresses are accurate because they stated links to the two reported public records. It's a shame because I sent my driver 's license and an official government ID to show my only accurate address and name. Even US postal returns as undeliverable because I do not live there and can not be verified. 

I urgently seek your intervention to rectify this persistent injustice and to uphold a credit reporting system that is fair, accurate, and respectful of consumer rights. Your involvement is pivotal in safeguarding consumer welfare and ensuring the integrity of the credit reporting process. 

Thank you for your unwavering commitment to consumer protection and equitable treatment. 

Sincerely, Concerned consumer

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