Consumer complaint received 2024-11-01 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: WI

Complaint narrative:
Im filing a complaint with the CFPB to investigate this matter my formal complaint against Experian violation of the FCRA and Metro 2 Complaince standardReference NO : XXXX To Whom It May Concern, I am writing to file a formal complaint against Experian regarding the inaccurate reporting of, [ e.g. XXXX XXXX Bankruptcy filing ] on the credit report. 

Regarding information that is inaccurate and violates the rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under USC 1681i 611 ( p ) ( 1 ), I assert that the reporting agencies are unable to verify or modify any public record information that has been reported without following the prescribed procedures outlined in the FCRA.

The reporting agency can not modify public record information. under USC 1681i 611 p 1, the agency is unable to change any public record information that has been reported. 

Information Verification : I question the accuracy and completeness of the information reported in the credit report, particularly regarding [ e.g. XXXX XXXX Bankruptcy ]. I would like to understand the exact sources and methods used to verify this information. 

I am concerned that the agencies may have relied solely on the last four digits of my Social Security number, and from public record which is insufficient for accurate identification and verification.

Furnishing Public Record Information : I contend that the agencies are not properly furnishing public record information in accordance with the FCRA. Their actions violate my rights under FCRA Section 1681b which outlines the duties of furnishers of information upon notice of a dispute ( 611 ( a ) ( 2 ) ). This section requires furnishers to investigate disputed information and report the results to all consumer reporting agencies to which they furnished the information ( 611 ( b ) ( 1 ) ( D ) ). 



Since you can not modify public record information directly, the agencies have failed to fulfill their obligations as consumer reporting agencies by not properly investigating the dispute ( 15 USC 1681e ) and reporting the results to the furnisher of the information ( likely the bankruptcy court ).

Court Records : I dispute the claim that your agency obtained this information directly from the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately. To my understanding this agency has accessed public records through a third-party service like PACER. 



I am requesting all information pursuant to Rule 1002 of 15 U.S.C. 1681i ( 611 ) ( p ) ( 1 ) 15 USC 1666a, and that the agencies provide me with a detailed report outlining the specific information provided by the court and the steps taken to verify its accuracy. 



I have provided Experian, with Documents sent directly from the Bankruptcy Court and from Pacers to substantiate my claim, that they do not report to consumer agencies. However, despite providing this information, Experian has failed to investigate the dispute or modify the inaccurate information. Request : I request that the reporting agencies immediately investigate this matter and take the necessary steps to correct the inaccurate information in the credit report. I also request that the agencies provide me with written confirmation of the resolution of this dispute.

If the reporting agencies fail to address this matter promptly and accurately, I will be forced to take further legal action.

Thank you for your immediate attention to this matter.

The reporting agency can not modify public record information.\ that under USC 1681i 611 p 1, the agency is unable to change any public record information that has been reported

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