Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
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:
On XXXX XXXX i wrote tranunion and experian informing them that i wrote the bankruptcy courts asking them if they reported a bankruptcy on my credit report. They wrote back on XXXX XXXX stating they don't transmit data to credit reporting agencies see exhibit B Both companies still verified the account accurate after they alleged, they investigated this matter. On XX/XX/XXXX, I wrote both companies again asking them to furnish the companies name and address who reported the Bankruptcy to them, and they responded the same, that the Bankruptcy Court Verified it. On XX/XX/XXXX I wrote Experian and XXXX again and they still have not sent me the name and address of the agency who furnished the Bankruptcy to them. Based on the response I received from the Bankruptcy Court Exhibit B, the Court does not furnish information to any of the Credit Reporting Agencies. Therefore, Experian and XXXX is being elusive and untruthful and never fully investigating the matter and continue to overlook CFPB as if you guys don't matter. Pursuant to 15 USC 1681a ( 3 ) ( e ) 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. 
Since the companies Experian and XXXX stated that this was verified. How was it verified? Did they obtain this verification through interviews with my neighbors, friends, or associate with whom Im acquainted or who may have knowledge concerning any such items of information If so, please provide me with the written report from this investigative report as well as the NAME AND ADDRESS of the furnisher because as Exhibit B reveals the US District Court XXXX Florida is not the Furnisher. Please provide me with the method you used when investigating the alleged Bankruptcy. 

Additionally, the alleged furnisher or both are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : U.S. Bankruptcy Court Acct # XXXX  The reporting of this account ( s ) is/are in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report Does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes the Consumers social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
15 U.S. Code 1681n - Civil liability for willful noncompliance b ) Civil LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
Based on the descriptive information that you are furnishing it is causing me much hardship it has damaged my character my mode of living and has caused me not to get approved for anything, the defamation has been damaging. 
15 U.S. Code 1681q.Obtaining information under false pretenses Any person who knowingly and willfully obtains information on. 
I recently reviewed the Article titled " CREDIT REPORTING COMPANIES UNDER FIRE ( AGAIN ) Dated Friday XXXX XXXX, XXXX. Based on your recent article Experian and XXXX are not following the Federal Consumer Protection Laws. They must be STOPPED!

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