Consumer complaint received 2024-05-29 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: WI

Complaint narrative:
I am writing AGAIN to formally request assistance and a reinvestigation of the XXXX XXXX bankruptcy currently listed on my credit report. Despite multiple attempts to resolve this issue through more than 12 phone calls, online disputes, and certified letters, this erroneous information remains on my file. This situation has caused me significant distress and frustration. 

I am an educated consumer and under the Fair Credit Reporting Act ( FCRA ) and the regulations of the Consumer Financial Protection Bureau ( CFPB ), I am entitled to a credit report that is both accurate and private. Specifically, under 15 U.S.C. 1681i, Experian is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, 15 U.S.C. 1681e ( b ) mandates that Experian must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. 

Experian sent a computer generated communication indicating that " the company that reported the information has 'certified ' to Experian that the information is accurate '' is not truthful nor accurate. What does certified means because as I understand FCRA and CFPB, laws and regulations, I am entitled to a verified written process that clearly details how the information on my credit report was verified as accurate. NO PROOF OF PROCESS HAS BEEN PROVIDED TO ME, only computer-generated letters. 

The XXXX XXXX  bankruptcy information on my report has not been verified by the US Bankruptcy Court of XXXX Wisconsin, nor do they ever validate confidential and personal information. Enclosed, please find documentation supporting this claim. It is imperative that this inaccurate information, along with all associated accounts, be removed immediately from my credit report. 

Experian needs to provide me with copies of all documentation associated with this PUBLC RECORD ACCOUNT bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the 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 monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the FAIR CREDIT REPORTING ACT 623 ( a ) ( 3 ). 

This continued inaccuracy is unacceptable, and I am prepared to escalate this matter. If all accounts tied to the XXXX XXXX bankruptcy and any related information are not expeditiously removed from my credit file, I will have no choice but to consider litigation. I seek prompt and complete removal of this erroneous information to rectify this issue and prevent further harm to my credit standing. 

Please provide written confirmation once the deletions have been completed.

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