Consumer complaint received 2024-04-27 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: AZ

Complaint narrative:
I have reached out to Experian numerous times and have yet to receive a proper response. I have a bankruptcy case reporting on my Experian consumer report. I have sent in multiple letters asking Experian to verify this information and to provide me where the verified the information. I was told by Experian that the information was verified by XXXX XXXX which is not true. I reached out to XXXX XXXX, and they confirmed that they are not reporting this information to Experian. They also provided me with a copy of my consumer report and there is not a Bankruptcy listed on my consumer report. I have attached a copy of my XXXX XXXX consumer report to this complaint which confirms that they in fact are not reporting the information because it's not listed on the report. 

I was told by an Experian representative on XX/XX/2024 that they received the information from the AZ XXXX Bankruptcy XXXX which is false. The XXXX Bankruptcy XXXX does not report any information the any consumer reporting agencies. They have confirmed this many times. It's even listed on their website I have attached the link below directly from their website as well confirming this. -- -- -- -- -- -https : //www.moeb.uscourts.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- -- -- -- -- -- -- -- - I sent in another letter XXXX of this month asking for the method of verification of the bankruptcy and I also advised Experian the letter was not a dispute ; it was a request for verification of how they are verifying the Bankruptcy. However, they initiated a dispute and stated it was accurate without any response as to how they are verifying the information. Experian is verifying the information as accurate without providing me with proof of an actual investigation. This is a FCRA violation. 

Under the FCRA, the credit reporting agency is required to provide a method of verification within 15 days of the request. I have the right to see the information the credit bureau used to obtain verification of reporting accuracy, as well as the details of the verification itself. 


I will seek these damages on the grounds of, Negligent Enablement of Impostor Fraud Defamation, Violation of the FCRA including but limited to 623 ( b ) Furnishers ', Investigation of Disputes Filed with CRAs, Duties failures under CFPB Regulation V, Violations of the FDCP including but limited to Section 807. False or misleading representations subsection 8.

Experian has yet to provide me with the method of verification and how they are verifying the Bankruptcy they are reporting to my credit report. This is a violation of my FCRA rights. FCRA 611- Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ).

FCRA 611 ( 15 U.S.C. 1681I ) ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. I have not received any proof of an actual investigation. I would like this Bankruptcy removed from my credit immediately. Experian is in violation of my consumer rights!

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 non-monetary relief