Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
On XX/XX/XXXX I submitted the 30th request to have 2 bankruptcies removed. I provided documentation from the US bankruptcy court and XXXXXXXX XXXX that the information was not verifiable. Today XX/XX/XXXX I received an email stating that the information remains and it has been verified as accurate by XXXX XXXX. This is my 30th request for them to perform a complete investigation an remove the inaccurate information from my report. Everytime a request is submitted they copy and paste the information from the previous investigation this inaccurate information is causing hardship an needs to be removed. This is the response they have provided to every complaint I filed Thank you for submitting your complaint on XX/XX/year>, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you are requesting to have the bankruptcy removed from your credit report. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree. They responded and veritied that the disputed information was accurate as reported. The result summary was sent to you for review. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. Bankruptcies are a matter of public record. Although the court where the disputed public records are filed may not report this type of data, a vendor may collect this data directly from the court 's public records and supply that information to Experian. Experian 's method XXXX Mail XXXX : XXXX and send you the results. In some instances, we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. Atter we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.lf you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. 
If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher who verified that information. Please note that accurate information can not be deleted. 
Potentially negative items, such as missed or late payments, remains on the personal credit report for seven years from the date of the original missed payment. Please note that you may also submit your request or portal.consumerfinance.gov this is not only unethical but illegal an Im demanding these bankruptcies be removed.

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