Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed Experian a formal dispute letter because there company is in connection with violations of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. Experian stated to me for bankruptcy public records where collected from XXXX. Experian obtained information about your bankruptcy from third party vendor XXXX. VIOLATION # XXXX Experian has failed to provide me with competent and documentary evidence to prove that the disputed information is verified. Obtaining bankruptcy information from a third party data furnisher XXXX is not proper validation. The law is clear : " If the CRA can not validate the information with the original information furnisher, which would be the ( US Bankruptcy Court ), CRA must remove said information from the consumer file ''. I also mailed a letter to the US Bankruptcy Court and they advised they do not provide information to credit reporting agency such as Experian or XXXX. Therefore if the US Bankruptcy Court did not report or verify this bankruptcy on my credit report it must be DELETED IMMEDIATELY because its UNVERIFBALE. Experian can not obtain a bankruptcy records from a third party data furnisher ( XXXX ) as this is not the original data furnisher. XXXX obtained this information from a publicly available source PACER which is also not the original data furnisher. VIOLATION # XXXX On my credit report Experian is reporting a PAID DATE XX/XX/XXXX for the bankruptcy. This information is incorrect as I have not paid ANYTHING to the US Bankruptcy Courts. The FRCA law states 15 U.S.C 1681e Compliance Procedures ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have a letter from XXXX admitting they furnished the information from PACER and sent it to Experian. How can this bankruptcy be VERIFIED when : XXXX. You did not verify it with the original data furnisher ( US Bankruptcy Court ) 2. It's reporting a PAID DATE XX/XX/XXXX and I have not paid anything to the courts. XXXX. XXXX and Experian are not reporting a bankruptcy on file 4. United Stated Bankruptcy Court Eastern District is also not reporting a bankruptcy on file Experian has violated several of my consumer rights which would include : 15 U.S.C 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

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