Consumer complaint received 2017-05-01
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:
XXXX   XXXX   XXXX   From :  XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX , NJ  XXXX  To : Experian   XXXX   XXXX    XXXX   XXXX , TX  XXXX  Credit Report Number :  XXXX  Attn :  XXXX   XXXX  Dear Experian : I received a response to my dispute on   XXXX   XXXX   XXXX   in regards to a bankruptcy that is currently being reported on my credit report.     I advised you that you were reporting unverified information on my credit report and you even agreed that even though the court does not report the information, that you may collection this data through the courts public records. What you failed to do is advise me of how exactly you did this or if you used a third party.      XXXX  recently was sued and a part of a class action settlement because they were listing the names and address of the courthouses on credit reports as the true source of its public records when this in fact was not true. Therefore, they had violated the Fair Credit Reporting Act by not only reporting unverifiable and inaccurate data, they lied about what the source of the verification was.     Now you, Experian, are doing the same thing and I am wondering, if I contact the same attorney,  XXXX   XXXX   XXXX ,  XXXX  to see if they can assist me in this process and if this is around the same thing that  XXXX  did.     You are reporting the court address on my credit report as US Bankruptcy  Court,   XXXX , NJ  XXXX  even after verifying the bankruptcy. You even supplied me with a copy of the  XXXX  from the court that shows the address of  XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX .     Now here is the problem, you verified an account with an address that is clearly incorrect. I   XXXX   the address you have on my credit report and although some searches came up for the courthouse in  XXXX , it clearly shows this is not the address for the court and such address does not exist. You even listed the zip code as  XXXX  and when I   XXXX   that, it showed it belong to  XXXX   XXXX ,  XXXX . Cleary this should raise some red flags.     Next on the list that proves you violated the FCRA is the you list the  Claim Amount a s {$0.00} and  Liability Amount as  {$0.00} when it clearly shoes on the Voluntary Petition that you provided me that the Estimated Assets which is the Claim Amount is between {$50000.00} to {$100000.00} and the Estimated Liabilities which is the Liability Amount is between {$100000.00} to {$500000.00}. This again proves that you verified inaccurate information on my credit report.     Then, the report shows a date of   XXXX   XXXX   XXXX   but the status of the account says that This item remained unchanged form our processing of your dispute on   XXXX   XXXX  . This assured me that no investigation was really conducted which was in fact a violation of the FCRA.

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