Consumer complaint received 2024-10-08 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: KY

Complaint narrative:
I am writing to request the removal of inaccurate bankruptcy information from my credit report. The court has provided me with an affidavit stating that they do not verify or validate any public records through your organization. I request that you immediately delete this unverified account. - Delete this item immediately. It is a public record that can not be verified and is incorrect. The court has provided me with AN AFFIDAVIT STATING THAT THEY DO NOT VERIFY OR VALIDATE ANY PUBLIC RECORDS THROUGH YOUR ORGANIZATION. I request that you immediately delete this unverified account. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act. 

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal of this bankruptcy record and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
The details of the bankruptcy record in question are : Bankruptcy Account Number : [ XXXX ] Date FILED of Bankruptcy : [ XX/XX/year> ] COURT : US BKPT CT TN XXXX DELETE Bankruptcy Account Number : [ Account Number ] FOR VIOLATION TO THE FCRA Non-Compliance with FCRA ( 15 U.S.C. 1681b ( 2 ) ) : According to this section of the FCRA, information in credit reports must be used only for permissible purposes and in accordance with established procedures. I must bring to your attention that unless you possess information that is required to be redacted from these documents, you are unable to verify that this bankruptcy belongs to me. Thus, I must express my concern that your verification process may be in violation of the 15 USC 1681b, which governs permissible purposes. 
The FCRA mandates Experian to promptly investigate and rectify the issues at hand within a maximum of four business days from the receipt date of this communication, as stipulated in 605B ( a ). Enclosed are relevant sections of the Fair Credit Reporting Act : 605B - Information Block in Data Breach [ 15 U.S.C. 1681c-2 ] and 604 - Permissible Use of Consumer Reports [ 15 U.S.C. 1681b ]. It is imperative to note that I did not authorize these actions, constituting a breach of my consumer privacy rights. 
In accordance with legal provisions, both yourself and the data furnishers bear the responsibility of certifying all facets of the mandated Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance Experian is obliged to engage with the creditor to verify the item 's validity within 30 days or promptly delete/block information stemming from a Data Breach, no later than four business days after this notice 's reception. Given my sworn affidavit attesting to fraudulent and unauthorized inquiries within my consumer credit report, I implore you to remove or block these items expeditiously to avoid legal recourse. Failure to verify the item in accordance with FCRA may lead to legal action under 616 - Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ], for which relevant details are enclosed.

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