I obtained my XXXX XXXXXXXX XXXX XXXX credit report. There was a U.S. Bankruptcy court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the U.S. Bankruptcy Courts confirmed XXXX XXXX has never validated or verified this public record entry on my credit report, neither will they ever be by them They further stated while they are NOT liable or responsible for any MIUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrect. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Per the FEDERAL CREDIT REPORTING ACT, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the ORIGNAL signed consumer contract and/or judgment ( s )- all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

I have included my last letter sent to the credit agencies demanding this false inaccurate information be deleted from my consumer credit report and I have yet to hear back from them. I am herby asking that this be handled immedicably.