Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This Message to XXXX credit reporting, I would like to give Experian the last chance To properly reinvestigate the bankruptcy XXXX XXXX XXXX XXXXXXXX on my credit report, and Im giving Experian the last chance to delete the bankruptcy, XXXX XXXX XXXX XXXXXXXX from my report because my next step is going to be a lawsuit I have all the evidence I need to sue Experian in court for inaccuracy, I did submit a dispute too many times And Experian chose not to investigate The bankruptcy, XXXX XXXX XXXX XXXXXXXX in the right way they keep come back with verifying the bankruptcy XXXX XXXX XXXX XXXXXXXX. I would like a brief statement from Experian on how they verify the bankruptcy on my credit report. 


I HAVE PREVIOUSLY DISPUTED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) WITH EXPERIAN, AND IN RESPONSE, EXPERIAN VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH EXPERIAN AND THERE ANSWER NO THEY DID NOT VERY IT WITH EXPERIAN BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH EXPERIAN TO REMOVE IT. Still, EXPERIAN DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM EXPERIAN REPORT... PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. EXPERIAN really did not reinvestigate they lied on an official document saying they did investigate but they did not do and I have evidence to prove my case, I HAVE PREVIOUSLY DISPUTED THE BANKRUPTCY XXXX XXXX  WITH CFPB FOR XXXX AND BECAUSE XXXX INVESTIGATED THIS MATTER THE RIGHT WAY! XXXX WENT AHEAD AND REMOVED IT AND DELETED IT FROM MY CREDIT REPORT BECAUSE THE BANKRUPTCY ON MY CREDIT REPORT UNVERIFIABLE, Please find the attachment for more information. 

ACCORDING TO THE CFPB WEBSITE, What happens after you send in your dispute The credit reporting company investigates The credit reporting company you sent the dispute letter to must investigate your dispute, forward copies of relevant documents to the company that provided the information about you, and report the results back to you. A credit reporting company is not required to take action about disputes that are frivolous. The company must send you a notice explaining that it has decided the dispute is frivolous, and the notice must be sent within five business days after it makes the decision. The information furnisher makes corrections and notifies all the credit reporting companies After correcting information about you, the information furnisher is responsible for notifying all the credit reporting companies about the corrected information. Then, the credit reporting companies update your credit reports. The information furnisher might determine the information about you is accurate and should not be updated or removed. In that case, you can contact the credit reporting companies again and ask them to include a statement explaining the dispute in your credit reports. The statement is then added to your file and provided to whoever requests your credit report in future. 

XX/XX/2024, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I would for the CFPB to look at this matter seriously and help me with the situationbecause Experian lies in official documents. 


BEST REGARDS XXXX XXXX XXXX.

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