Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I dispute the Bankruptcy record XXXX with Experian on my consumer credit report around XX/XX/XXXX. Experian responded in there verification stating its accurate. I then asked for a reinvestigation and per rule of the FCRA 611 ( XXXX U.S.C. XXXX ) I asked for the documentation used. I also filed a complaint with the CFPB on XX/XX/XXXX and Experian stated information was accurate again but, DID not give the documents I then disputed the information again on XX/XX/XXXX. This is once again came back with it stating verified. This time the last dispute would be the fourth one. This one I attached a certified letter from the clerk of the court. Stating that the court does not verify with any credit reporting agencies or third parties including pacer and XXXX XXXX. If this is true how can one tell without verification with the clerk of the court if this public record is 100 % accurate or up to date. This record could either be removed or sealed in court. One would only know that by verifying with the clerk. Which was not done. 

As you can see I have sent multiple dispute letters and even phone conversations with agents from Experian. I called on XX/XX/XXXX and talked to customer service agent XXXX. XXXX added the statement on the bankruptcy informing them that they have the documentation of evidence from the clerk I supported and it should be removed in 48hrs. Here is the copy of the transcript from the conversation And could still there and then you may contact us for today, but you can check for that for today. You surely removed like faster than a day. Oh okay. And you said it should be removed? Yes, to be off from your credit. Okay, the bankruptcy won right? The public record. Okay, awesome. The public And what's your name again? My name is I setting up a statement stating that you entered a court letter just so let you know. Okay, thank you. 

As you can see the Bankruptcy was never removed the statement was just added. Without removing the public record as promised and agreed on by the XXXX the agent. 

This just prove more of the reasoning behind Experian lawsuit with the CFPB on XX/XX/XXXX. For Shame investigations and not properly reinvestigating. I feel like I fell victim to this cause as you can see from the evidence my consumer rights is being violated Re : Violation of XXXX U.S.C. XXXX ( b ) ; XXXX XXXX XXXX XXXX XXXXXXXX ; FCRA Sections 609 ( a ) ( 2 ) and 611 ( b ) ( 6 ) ( B ) ( iii ) ** among with XXXX USC XXXX ( k ) ( 2 ). This is seriously harming me not only my reputation but also my ability of an accurate and complete report. Its harming me from seeking a Mortgage or Apartment which will result in me being homeless soon. Please remove this public record from my consumer report.

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