Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: MN
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:
XX/XX/XXXX, I sent a letter to the US Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from the US Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' XX/XX/XXXX, I sent a letter to XXXX Courthouse asking do they report Bankruptcies to the credit bureaus and I got a letter back from XXXX Courthouse stating " They do not report any Bankruptcies or verify any information with anyone. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 

US Courthouse tracking number : XX/XX/XXXX - XXXX XXXX attempt : I sent a Bankruptcy Investigation letter to XXXX XXXX XX/XX/XXXX, I got a letter back XX/XX/XXXX stating that the Bankruptcy was verified through the courts. I sent a letter XX/XX/XXXX to XXXX XXXX with court documents stating the courts does not verify nor contact the credit bureaus with any information, I asked them to delete the Bankruptcy. I get a letter back from XX/XX/XXXX from XXXX XXXX stating they could not identify my identity even after I sent proof of residency which they responded to me before when I contacted them. 

Here are my tracking numbers for the XXXX attempt : XXXX - XXXX XX/XX/XXXX - XXXX XXXX attempt : I sent the same deletion letter out from the XXXX attempt on XX/XX/XXXX letting them know this is my XXXX attempt with MORE Identity and residency documents like my ( Insurance Policy, Bank XXXX, Birth Certificate & Drivers License ). I get a letter back XX/XX/XXXX stating they VERIFIED through the courts. How is that possible. DELETE!!! 

Here are my tracking numbers for the XXXX attempt : XX/XX/XXXX - XXXX 15 USC 1681 section 603 ( 3 ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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