Consumer complaint received 2024-08-08 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: GA

Complaint narrative:
Experian, is reporting is reproting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT XXXX XXXXXXXX XXXX XXXXXXXX. Which is false. I have attached a letter from the U.S. BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXX. Verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 

Experian is falsely stating this information on my credit report and have yet to remove it from my credit report. I contacted the court, and their response is enclosed. It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Also enclosed is a letter from XXXX verifying the BANKRUPTYCY has been deleted. 

The credit bureaus violated my given rghts under 15 U.S. Code 1681. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Displaying information must be deleted immediately.In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX BANKRUPTCY discharged Date filed XX/XX/year>, has violated my rights. 15 USC 1681 section 602 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to respect a consumer 's right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate.

I contacted the court, and their response is enclosed. I would like for you to have them take this unvalidateable information off of my credit report.

The credit bureaus violated my given rghts under 15 U.S. Code 1681. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 1681s2. Responsibilities of furnishers of information to consumer reporting agencies A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Displaying information must be deleted immediately.

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