Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I previously disputed this item, with the CFPB ( Complaint ID XXXX ) and Experian responded by stating they verified the information as accurate. XXXX indicated that this verification was based on information provided by a THIRD PARTY - XXXX XXXX XXXX. 
Upon contacting the court directly, I was informed that they do not report to any credit bureaus, including XXXX, Experian, XXXX and XXXX or any other Credit Bureaus. I have AGAIN enclosed their response for your review. 
Experian initial verification of this information with the court was either a significant error or a deliberate misrepresentation. Regardless, this reporting violates the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ). 
Since the court has confirmed they do not report to credit bureaus, the item in question can not be substantiated and must be immediately deleted from my Experian report. 
If Experian fails to remove this inaccurate information promptly, I reserve the right to pursue further legal action, including reporting Experian non-compliance to the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and seek arbitration monetary rewards. 
Furthermore, per Title 15 USC 1681b : Permissible Purposes of Consumer Reports- I NEVER gave written instructions for XXXX XXXX XXXX to release my information to any third parties. In fact I have had placed a freeze on my XXXX XXXX XXXX file since XX/XX/year>! 
This amounts to AGRAVATED IDENTITY THEFT - 18 USC 1028A because XXXX XXXX XXXX has possession of my PERSONAL INFORMATION and are using it and distributing it WITH OUT MY WRITTEN CONSENT OR PERMISSION. 
Pursuant to 15 USC 6802 I was never given an opportunity to opt out! 
This also serves as formal notice of my intent to pursue binding arbitration regarding Experian persistent reporting of inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
The following inaccurate item remains on my credit report despite repeated disputes : Bankruptcy record case number XXXX My efforts to correct this erroneous information directly with XXXX has been unsuccessful. 
I have provided comprehensive documentation demonstrating the inaccuracy, including a letter from the court. Experian continued reporting of this information constitutes a willful disregard of my rights under the FCRA. 
In accordance with the arbitration provision often found in XXXX consumer agreements, I demand the following : Immediate deletion of the inaccurate information referenced above. 
Full compliance with FCRA guidelines regarding reinvestigations and consumer rights. 
Written confirmation of the information 's removal and steps taken to prevent future inaccuracies. 
Failure to comply with these demands within ten ( 10 ) business days will result in the commencement of arbitration proceedings. I intend to pursue all available remedies afforded by law, including damages, costs, and attorney 's fees. 
Experian pattern of disregarding consumer rights is unacceptable. 
This is Experian final opportunity to rectify this situation before formal arbitration is initiated. 
Finally, to Experian, I am writing you with this formal objection of information published and provided to by Third Parties and not the actual court, as reported and I demand for swift action on your, part. 
Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged XXXX XXXX to the credit bureaus that is clearly in noncompliance with recognized METR02 Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant withMETRO2 reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged XXXX XXXX. 
Immediately, DELETE ALL record of the following alleged XXXX XXXX, or else provide certified proof that you have physically verified each notation with the court DIRECTLY without a third party interface for maximum possible accuracy and compliance with all METRO2 reporting standards. 
This XXXX XXXX item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from METRO2 Format compliance since, per the XXXX, XXXX XXXXXXXX " Any deviation from these standards jeopardizes the integrity of the data ' Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.