Consumer complaint received 2024-10-24
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. (IL)

Consumer Financial Protection Bureau Complaint Submission Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone Number : XXXX Company Complained About : Company Name : Experian Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Complaint Date : XX/XX/year> Description of the Problem : I am filing a complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically concerning their failure to remove inaccurate bankruptcy information from my credit report, despite multiple disputes and the submission of valid supporting documentation. 

I have disputed the following inaccurate bankruptcy entries multiple times, but they continue to be reported on my credit file, damaging my credit score and financial standing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has issued an official letter stating they do not report any information to credit bureaus. Despite this, Experian continues to report these bankruptcies inaccurately, citing the court as their source of verification, which is both incorrect and misleading. 

Fair Credit Reporting Act ( FCRA ) Violations : Experian has violated multiple sections of the FCRA, including : 15 U.S.C. 1681i Failure to conduct a reasonable investigation after I submitted disputes.

15 U.S.C. 1681e ( b ) Failure to ensure the maximum possible accuracy of the information they report.

15 U.S.C. 1681n Willful noncompliance with the FCRA, which entitles me to statutory damages for each violation. 

Further Noncompliance Issues : Failure to provide a detailed Method of Verification ( required under 15 U.S.C. 1681i ( a ) ( 7 ) ) as requested in prior disputes. I have not been provided with details of how Experian verified the bankruptcies or the entities responsible for supplying this inaccurate information. 

XXXX Cease and Desist : I have opted out of data sharing with XXXX and issued a formal cease and desist notice to them. I demand that Experian stop using XXXX as a source for my data. XXXX has no legal grounds to continue reporting or sharing my information, which has contributed to these inaccuracies. 

Experians Actions Have Caused Me Harm : The inaccurate reporting of these bankruptcies has severely impacted my credit score, limiting my access to credit and affecting my ability to conduct personal and business financial activities. This misinformation has caused significant stress and financial damage, which continues with each passing day that the inaccuracies remain uncorrected.

Actions Requested : 1. Immediate removal of the inaccurate bankruptcy entries from my credit report.

2. Full manual review of my credit file, ensuring all data is accurate and properly verified.

3. Detailed Method of Verification of the disputed entries, identifying the sources used by Experian to verify this information.

4. Cease and desist order issued to XXXX to stop unauthorized reporting of my information.

5. Confirmation of correction in writing within 30 days, as required by law.

Supporting Documents : I have attached the following documents to support my complaint : The official letter from the U.S. Bankruptcy Court stating they do not report to credit bureaus. 
Copies of my credit reports showing the inaccurate bankruptcy entries. 
Copies of my previous dispute letters. 

Declaration : I certify that all information provided in this complaint is true and accurate to the best of my knowledge. I request that the CFPB review this case and take appropriate action to ensure that Experian complies with the FCRA and corrects my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX