Consumer complaint received 2024-01-08 00:00:00
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.
State: NY

Complaint narrative:
I XXXX XXXX. XXXX contacted Experian via certified mail on or around XX/XX/XXXX, and XX/XX/XXXX that there are inaccuracies reporting on my credit profile to do with a public record of bankruptcy. I submitted a most recent dispute letter on XX/XX/XXXX to Experian as follows : XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. NJ XXXX Date of birth : XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian : Re : Report # XXXX & XXXX Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX Dear Experian : My name is XXXXXXXX XXXX XXXXXXXX. This is a letter to request the reinvestigation of the above Report numbers in reference to the Public Record from a XXXX XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record and according to the Experian credit Report dated XX/XX/XXXX, and XX/XX/XXXX and on the report it is stipulated that the XXXX XXXX information is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX. The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still in my credit file with Experian, and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX. XXXX. Experian responded on XX/XX/XXXX that the company that reported the information to Experian is accurate. The item was not changed as a result of their processing of my dispute. As a result of their reinvestigation the dispute is not resolved. According to the updated Experian Consumer Report Public Records Information it is obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. I verbally confirmed with XXXX that there is no bankruptcy on record with my consumer report. XXXX provided in writing that there is no bankruptcy reported in section XXXX of my consumer records. I contacted Experian to dispute this inaccuracy with verifiable proof and Experian verifies public records through XXXX yet they are violating my rights. This information must be reported 100 % accurately and they are continuing to report this on my credit file. My credit file is supposed to be reported accurately and Experian refuses to correct this on my credit report.

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