Consumer complaint received 2023-12-26 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Compliance Failure XXXX  XXXX Bankruptcy XXXX XXXX Discharged XX/XX/XXXX Dear : Sir/Maam : It was only a few months ago when I contacted your firm with a formal dispute under the FCRA 611 ( a ) ( 7 ). In addition, I sent a formal written inquiry to the clerk of the COURT of Records for this erroneous Bankruptcy record that your firm is reporting. I received back that INQUIRY, it is CLEAR that the COURT DOES NOT verify or validate any information to your reporting agency. In addition the Clerk 's office noted that neither Personal Identifiers nor Metro-2 compliance standards were available for reporting or verification purposes, therefore the Bankruptcy record you are reporting violates the stipulated guidance provided to your firm by the Consumer Financial Protection Bureau .

After reviewing my reports, I noticed that each bureaus report has conflicting data on it. Most of the information being reported has not been verified unlike the bureaus assured us that it was.

No matter how a third party information broker has collected this information it must contain the complete personal identifiers and be Metro-2 compliant, in this case the record is CLERALY not COMPLIANT and it is UNVERIFIABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a tort action against your firm for violation of the FCRA. 



Very Respectfully, XXXX XXXX XXXX The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. Click here to see a list of DOJ systems of records and their Federal Register citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

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 non-monetary relief