Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
*** Human required, no automated responses please **** Credit Reporting Company, Your personnel have sent me a verified letter for a bankruptcy that all the evidence clearly shows it not mine. No reasonable person who performs a legitimate investigation would keep this information on my credit file. I am again requesting that you all provide me detail explanation of your investigation procedures to include the name and contact details for the persons performing the investigation in your company as well as the name and contact details for the data furnisher. You all are clearly just getting an automated response from some inaccurate system then just using that response to report it as verified. This is very lazy and prone to inaccuracy. You are required to assume their is an error and ask the data furnishers questions and make them prove why and you are to consider the evidence that is presented to you. There is no way you should be telling me that this is verified if you can not show me that you called the lawfirm, called the court and got information from them. 

Settled case law has proven that information on systems like PACER or not XXXX percent accurate and therefore can not be used in court. The court does not release this information to third party data furnishers nor credit companies. I contacted the court in my own investigation and they sent a letter affirming this. 

My name is XXXX XXXX XXXX XXXX as proven by my XXXX XXXX. Update my name immediately. The address associated with the Bankruptcy record was never a residence of mine. That property is a commercial farm business address! XXXX XXXX does not report the address nor any Bankruptcy record for me. The lawfirm and lawyer confirm that I was never their client. Read the letter attached. Do your actual job and call them to investigate further if you need to. Any reasonable person without some emotional or corporate agenda would accept reality that this record is wrong if the Lawyer confirms that I am not their client. Just delete this record now. 

The court also clearly does not report to credit reporting companies. So I demand you delete this bankruptcy from my report and explain your investigation process listing details of what system was used and what personnel you spoke with along with their phone and email address. You all have severely damaged my credit record and have greatly impacted my life. You all have already exposed all my data in your data breach and chose to harm me further. I need the name of the person who added this to my credit report as I will be citing them in any legal action taken to fine XXXX for violations. This is deliberate action taken place the information you all know is not accurate on my credit report. Consequences must follow. The CFPB is tracking this case and this dispute will be cited in any legal proceedings. Update my Name to XXXX XXXX XXXX XXXX Delete the address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX from my account Delete the Bankruptcy record immedately and never put this on again! Shame of you! 

Again Please provide the name and contact details for the person who is performing handling this case. If they do not remove this record for my credit file I will be invoking the law below : https : XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or There have been over 50 complaints filed against you all on various issues and you continue to be inaccurate. I have been very patient and your personnel are showing stubbornness and complete disregard for consumer protection law. They seem to fight to keep derogatory information on my credit file even when they have sufficient evidence showing that the accounts are inaccurate or that they should not be on the credit file.

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 non-monetary relief