Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 To whom it concerns, I am writing to express my extreme frustration and demand immediate action regarding the erroneous verification of a bankruptcy on my credit report, obtained through pacer.gov. This unfounded verification, which violates several consumer privacy laws, including but not limited to the Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Fair Credit Billing Act ( FCBA ), Uniform Commercial Code ( UCC ), Fair Debt Collection Practices Act ( FDCPA ), Real Estate Settlement Procedures Act ( RESPA ), and others governing accurate reporting requirements, has caused significant damage to my financial reputation and must be rectified expeditiously. 

On XX/XX/2023, I obtained a copy of my credit report from your agency and was appalled to discover a verified bankruptcy listed on my account. This blatant misrepresentation tarnishes my creditworthiness and disrupts my financial stability. I want unequivocal assurance that these inaccuracies will be thoroughly investigated while adhering to all applicable laws. 

I am compelled to outline the following grievances and demand immediate remediation : 1. The verification of bankruptcy is entirely unsubstantiated and falsified ; I have NEVER filed for bankruptcy nor engaged in any activities that would warrant such a claim. This egregious misinformation casts doubt on your agency 's competence in fulfilling its obligation to ensure accurate and reliable credit reports. 

2. The gross mishandling of my private financial information, as mandated by FACTA, TILA, and other related laws, is a violation of my rights as a consumer. I insist on a thorough investigation into the source of this questionable data, demanding full disclosure of the chain of custody and any supporting documentation that substantiates its legitimacy.

3. Your agency 's failure to comply with the FCRA 's provisions for accurate credit reporting has significantly damaged my credit score, limiting my access to crucial financial opportunities. This unwarranted stain on my credit record has far-reaching consequences, and your agency must act immediately to rectify this injustice.

I demand the following actions to be taken without delay : 1. Conduct a comprehensive investigation into the origin, validation, and dissemination of this false bankruptcy claim, ensuring strict compliance with FACTA, TILA, FCBA, UCC, FDCPA, RESPA, and any other pertinent legislation governing accurate credit reporting.

2. Provide me, in writing, with a detailed report of your investigation, including explicit details of each step taken, all findings, and any information associated with the verification of the alleged bankruptcy.

3. Correct my credit report promptly by removing this erroneous bankruptcy verification within the shortest legally permissible timeframe allowed by applicable regulations. Additionally, correct any inaccurate information related to this matter and notify all creditors who have been misled by this falsified reporting.

4. In accordance with FCRA provisions, supply me with a revised credit report, free of charge, reflecting the accurate and updated information after rectification.

Please be advised that failure to address this matter with urgency and professionalism will compel me to explore legal actions available to me under the FCRA and other applicable laws. I am prepared to seek legal recourse to safeguard my rights as a consumer if satisfactory resolution is not provided promptly.

I expect a written response within 15 business days of your receipt of this letter, detailing the actions undertaken to investigate and rectify this matter, along with confirmation of removal of the false bankruptcy verification from my credit report.

Your immediate attention and resolution to this matter is not only legally mandated but will also determine my confidence in your agency 's commitment to consumer privacy rights and accurate credit reporting. 

Sincerely, XXXX XXXX XXXX

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