Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting related to my bankruptcy. To be clear, I am not disputing the bankruptcy itself. My concern is that certain accounts are being incorrectly reported as discharged in bankruptcy when they were never included in my bankruptcy case.

I have made multiple attempts to correct this issue by contacting the credit bureaus, the furnishers, and XXXX ( which provides public record data ) on three separate occasions. Despite providing proper documentation, the inaccurate information remains on my credit reports.

My disputes were submitted on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The following accounts are inaccurately reported as XXXX in bankruptcy : CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Reporting on XXXX  as Account Number XXXX XXXXXXXX Reporting on Experian as Account Number XXXX Reporting on XXXX  as Account Number XXXX CREDITOR : XXXX  XXXX  Reporting on Experian as Account Number XXXX  These accounts were not listed in my bankruptcy schedules and were not discharged. 

This inaccurate reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) Agencies must reasonably reinvestigate when a consumer disputes information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate and correct inaccurate information upon notice of a dispute.

The continued reporting of these accounts as discharged in bankruptcy is false and damaging to my creditworthiness.

Requested Action : Require the credit bureaus and/or the furnishers to provide documented proof that these accounts were included in my bankruptcy case.

If no such proof exists, require immediate removal of all inaccurate discharged in bankruptcy notations.

Consider enforcement action against any party failing to comply with the FCRA.

Supporting Documents Enclosed : Copies of my credit reports showing the inaccurate reporting My official bankruptcy creditor list Bankruptcy court documents confirming which accounts were included I have exhausted all reasonable efforts to resolve this matter directly, including attempts with the credit bureaus, the furnishers, and XXXX. This is the last attempt. If this issue is not corrected immediately, I will pursue all available legal remedies, including filing suit for violations of the Fair Credit Reporting Act, and seek statutory damages, attorney fees, and all other relief available under the law. 

Thank you for your prompt attention to this matter.

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