Consumer complaint received 2024-04-21 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: FL

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair reporting act ; 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. The illegal reporting of said Bankruptcy without my knowledge to Credit Report Agency is a violation of : 15 U.S. Code ( s ) 1681 ( d ) ( b ) ( c ) ( 2 ) ( a ) ( 1 ) -Rules of Construction-Exclusions- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code ( s ) 6801-Protection of Nonpublic Personal Information 15 U.S. Code ( s ) 6802-Obligation with Respect to Disclosures of Personal Information 15 U.S. Code ( s ) 1692c ( c ) -Communication in connection with Debt Collection 15 U.S. Code 16-81 A.E You did not utilize the proper investigation which Congress says you have to do per 15 U.S.C 16-81 AE What is a violation of 15 U.S.C 1681?

Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

( e ) PROCUREMENT OF CONSUMER REPORT FOR RESALE ( 1 ) DISCLOSUREA person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

( a ) IDENTITY AND PURPOSES OF CREDIT USERS Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

I went to the courthouse XX/XX/2024 asking them if they report my bankruptcy to the consumer reporting agencies ; they gave me a letter saying they do not report. So I am trying to figure out why is this bankruptcy on my credit reports, if they don't report to any of them. 

I also attached the letter from the courthouse.

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