Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per theFCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATEthe information with the ORIGINALCREDITOR, they must remove said information from the consumer credit file.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
Bankruptcy XXXXXXXX XXXX-dismissed Case Number : XXXX Please remove it from my credit report. 

2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
Bankruptcy XXXXXXXX XXXX-discharged Case Number : XXXX Please remove it from my credit report. 



The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any informationto credit reporting agencies, nor do they ever validate and/or confirm public records. 

It is the credit reporting agencies, and/orother third party providers who collect informationregarding public cases from public records.Public records information is NEVER validated by theRecorder of Deeds nor the U. S. Courtsystem due to the Fair Credit Reporting Agency PRIVACYLAW . I DO NOT WANT AN AUTOMATED RESPONSE STATING YOU RECIEVED THIS INFORMATION FROM PACER. 

YOU CLAIMED THAT THIS INFORMATION WAS PROVIDED FROM XXXX XXXX AND I HAVE ENCLOSED PROOF THAT XXXX XXXX HAS DELETED THIS FROM MY CREDIT FILE DUE TO NOT BEING ABLE TO VERIFY THE ACCOUNT. THIS SHOWS PROOF AND YOU MUST FOLLOW SUIT SINCE THIS IS WHERE YOU CLAIMED THIS IS WHERE THE INFORMATION CAME FROM AND PERMANETLY DELETE THIS BANKRUPTCY FROM MY CREDIT REPORT. 

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed XXXX, XXXX and Experian Credit Bureau has never validated verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.Considering the information indicating a Fair Credit Reporting Act violation, I need all BANKRUPTCY information showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information ON my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. 

Be further advised that I am closely monitoringmy credit file. Per the Federal Law, you have exactly 30 days to complete this investigationas outlined per the Fair Credit Reporting Act623 ( a ) ( 3 ) .Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/orjudgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

The Bankruptcy should be Deleted as well as in any comment attached to any other account. 

SINCERELY, XXXX XXXX