Consumer complaint received 2024-08-13 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: PR

Complaint narrative:
THIS COMPLAINT IS FOR THE CREDIT BUREAU EXPERIAN IS VIOLANTING MY RIGHT UNDER FCRA LAW, XXXX AND XXXX NO REPORTING, ATTACH CLEAN PICTURE FOR THE INNACURATE INFORMATION A THE PROOF TO THE VIOLATION TO THE FCRA AND TILA, I TALK TO THE COURT ON MY report bankruptcies to the credit bureaus and I The COURT TOLD ME THEY do not report any bankruptcies to anybody. '' So, if that's the case. 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, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, how did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times. 

DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX XXXX XXXX # XXXX EXPERIAN Bankruptcy Account Number : XXXX XXXX XXXXy # XXXX EXPERIAN BOTH NO ACCOUNT DONT REPORTING TO XXXX AND XXXX 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record.

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. 
Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 
- *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. - As a consumer by law this account must be deleted immediately. 

DELETE PLEASE THIS RECORD UNDER MY NAME PLEASE : Bankruptcy Account Number : XXXX XXXX XXXX # XXXX EXPERIAN Bankruptcy Account Number : XXXX XXXX XXXX # XXXX EXPERIAN BOTH NO ACCOUNT DONT REPORTING TO XXXX AND XXXX I express my deep disappointment in the information you have provided, as it fails to meet the minimum standards required for credit reporting. I respectfully request that you take immediate action to rectify this issue, as inaccurate and incomplete data has no place in your database or on my credit report. Should this matter not be resolved promptly, I may have to pursue legal recourse. Therefore, I kindly urge you to remove this inaccurate information from my credit report without delay. 
I have outlined the concerns pertaining to your reporting, as documented herewith, and I regret to inform you that it lacks comprehensiveness and fails to meet the standards I expect. 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 XXXX XXXX compliance. It is imperative that such certification be conducted in a manner that is truthful, accurate, complete, and timely, in order to prevent any infringement upon my consumer and civil rights. Sincerely, I regret to inform you that I am deeply disappointed with the information contained in your database as it does not meet the minimum standards for accuracy and is not up-to-date. If prompt action is not taken to address this issue, I may be compelled to seek legal remedies. I firmly believe that inaccurate and imperfect information should not have any place in your database, nor should it be reflected on my credit report. Therefore, I kindly request that the erroneous data be deleted from your records without any further delay. 

I am writing to bring to your attention my knowledge of the illicit practices observed in your organization, whereby form letters are routinely dispatched as responses to consumer disputes and challenges, disregarding the specific details provided by each individual. Such conduct clearly contravenes the provisions outlined in 15 U.S. Code 5 1681i, which explicitly necessitates that every dispute and challenge be attentively addressed on an individual basis, solely based on its own merits. I wish to emphasize that the letters I have submitted were generated using widely accessible software. Consequently, any failure on your part to process these letters would constitute a violation of my rights as a consumer. Regrettably, I must view such negligence as a deliberate indifference to my rights, compelling me to seek legal recourse by engaging the services of my legal counsel. Sincerely DELETE BANKRUPTY AND EVERYTHING ACCOUNT OR I request a detailed explanation of the verification process used, including specific documentation and proof that complies with the requirements set forth by the FCRA and related statutes. If adequate proof is not provided within 30 days, I request that you review this information in light of the cited legal provisions and proceed with the removal of the bankruptcy record from my credit report. Additionally, please provide proof of the verification of the bankruptcy record as required by the FCRA. If such proof can not be provided, the record must be removed immediately. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports

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