11. Experian is a FCRA-governed “consumer reporting agency” that selectively  decides which information to provide to consumers that request the FCRA- governed information in Defendant’s possession and which information it will  hide from consumers.  Defendant withholds certain information in order to  minimize its compliance costs and to avoid customer service inquiries  directed at them and their business partners or private vendors.   As  mentioned above, these private vendors and/or business partners include  companies like LexisNexis, a third party that sells public record information  to Defendant and then, in turn, processes disputes regarding that public record  information via the "ACDV" system.   12. Upon information and belief, Defendant misrepresents the source of  consumers’ bankruptcy Public Record Information by falsely stating that a  given courthouse is the source of the Public Record Information, while  affirmatively hiding the true source of the Public Record Information.   13. Upon information and belief, Defendant does not obtain its Public Record  Information about bankruptcies form courthouses or actual government  entities.   45. Plaintiff incorporates by reference all of the above paragraphs of this  Complaint as though fully stated herein.   46. The foregoing acts and omissions constitute numerous and multiple violations  of the FCRA.   47. As a credit reporting agency, Experian is required to comply with 15 U.S.C. §  1681g(a)(2) of the FCRA.   48. Experian violated 15 U.S.C. § 1681g(a)(2) by failing to clearly and accurately  disclose to Plaintiff and the Class the sources that supplied any information to  the credit-reporting agency about Plaintiff and the Class.   49. Plaintiff is informed and believes that Experian violated 15 U.S.C. §§  1681e(a)&(b) of the FCRA by maintaining the very inaccurate information  about which Plaintiff reported.   FAIR CREDIT REPORTING ACT  15 U.S.C. § 1681 ET SEQ.   