Consumer complaint received 2017-06-30
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear Sir/ Madam, Experian investigating methods and verifying methods did n't resolve my issue, they always give the same answer, seems like they copy and paste their answers to consumers without any regards.
I 'm sending them and for the forth time this letter that I had sent previously, but this time, I contacted my Attorney to start the Lawsuit procedures against Experian should they not respond within 2 weeks from this date by deleting this frivolous public record ( Bankruptcy from my credit report ). XXXX NJ bankruptcy court contacted me by mail and by phone to indicate that they have no affiliation with credit bureaus or report any public records to them what so ever not even to the so called third party agency XXXX XXXX and so on.
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Experian, XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Re- Disputing BK on Credit report SS # XXXX XXXX XXXX DOB -XX/XX/XXXX Name- XXXX XXXX Dear Sir/ Madam, I have sent you a document from XXXX  bankruptcy court dated XX/XX/XXXX to indicate that the court house does not furnish any information to any Credit Bureaus. I 'm attaching that letter to your attention and for the Forth time again on this dispute.
Please note that the publisher of any public records should be the Court House, not a Third party company that is not authorized to furnish any information without any authorization, this is considered a violation of the FCRA. a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA , Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third party source. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ).
I have read and understood the law of th
e FCR completely. Next, is a law that applies to 3rd party collectors FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ). This law applies to not just 3rd party collectors, but to eve
ry
entity that furnishes information to the credit bureaus. FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; So, even if the courts or recorders office furnished the information, other than getting a court order, they are not allowed to furnish or verify anything on my credit report without my authorization. I did n't authorize XXXX XXXX The courts, The county recorders office, or Anybody, I Did n't authorize anyone to put negative public record information on my credit reports. My next step is to demand the Credit Bureau ( Experian ) for a sworn testimony in a deposition or in Court that includes The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. Confirmation of the correctness, truth, or authenticity of a pl This means verification is sworn testimony, The only admissible testimony is from a witness with First-Hand knowledge. A court clerk does not have first-hand knowledge. The county recorder does not have first-hand knowledge. Anyone at the credit bureau does not have first-hand knowledge. XXXX XXXX does not have first-hand knowledge. If someone verifies but they dont have first-hand knowledge, then its not verification, its hearsay. And hearsay is inadmissible, account, or other paper, by an affidavit, oath, or deposition, as set by Law. <P/> This is not a frivolous dispute and this public record should be removed immediately. I do appreciate your co-operation by removing this public record from my credit report immediately, otherwise, I will
have no alternative but to proceed with a heavy legal action and a law suit against Experian.
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Regards XXXX XXXX CC - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX,XXXX CC- CFPB, Consumer Financial Protection Bureau , XXXX XXXX XXXX XXXX XXXX Iowa XXXX CC-FEDERAL TRADE COMMISSION BUREAU OF CONSUMER PROTECTION Headquarters Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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