Consumer complaint received 2023-02-11
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:
Dear Consumer Financial Protection Bureau, I am writing to request that two bankruptcies be removed from my XXXX and Experian credit consumer reports. I am a real person by myself writing to you. Despite providing numerous supporting documentation and evidence that the bankruptcies are not mine and were dismissed based on what they told, XXXX and Experian have failed to remove the incorrect information from my credit report. 

In fact, I have contacted XXXX, another consumer reporting agency, regarding the bankruptcies and they have confirmed that the bankruptcies are not mine and have been removed from their report. XXXX, another consumer reporting agency, has also removed the bankruptcies from my credit report. However, XXXX and Experian continue to report the bankruptcies, even though XXXX has confirmed their inaccuracy and removed them from their report. 

Moreover, XXXX and Experian claim that they have verified the bankruptcies with public records based in last complaints and too the XXXX and their respective state, but I have personally visited the court and was informed that they did not receive any verification requests from XXXX and Experian. It is possible that XXXX and Experian used XXXX to verify the bankruptcies, which is not an appropriate method for verifying credit report information. XXXX is intended for " judicial use only, '' and not for public use or for verifying credit report information. 

I believe that XXXX and Experian are violating my consumer and privacy rights by continuing to report the incorrect bankruptcies on my credit report. Therefore, I would like to invoke the following laws to support my request for the removal of the bankruptcies : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) - This section requires consumer reporting agencies to investigate disputes within 30 days and remove any information that can not be verified.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) - This section requires consumer reporting agencies to follow " reasonable procedures '' to ensure the accuracy of the information they report. 

Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681c - This section requires consumer reporting agencies to provide accurate credit reports to consumers. 

Given the evidence and documentation I have provided, and the fact that XXXX has already removed the bankruptcies from my credit report, I believe that it is clear that the bankruptcies are not mine and should be removed from my XXXX and Experian credit reports as well. It is important that the CFPB investigate XXXX and Experian 's actions to ensure that they are complying with federal law and protecting consumers ' privacy and credit rights. 

Thank you for your attention to this matter. 

Sincerely, 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