Consumer complaint received 2025-05-23 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : SECOND DEMAND Immediate Deletion of Bankruptcy Reporting Based on FCRA & FDCPA Violations Dear Experian Dispute Department, This letter serves as my second and final formal demand that you immediately delete the inaccurately reported bankruptcy from my Experian credit file. The continued reporting of this record constitutes direct and repeated violations of the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c. 

I have enclosed a document downloaded directly from the official website of the U.S. Bankruptcy Court, XXXX XXXX XXXX California, which clearly states : Credit Report and Court Records The U.S. Bankruptcy Court, XXXX XXXX XXXX California does not report information to any credit reporting agency. The Court does not have any control or jurisdiction over credit reporting agencies. Credit reporting agencies regularly collect data from public records and report the information to interested parties. Petitions, schedules, and other bankruptcy documents are considered public records. These public records are available at the Clerks Office and online to registered PACER users. For more information about PACER or to register for an account, please visit the website at XXXX. 

This confirms the bankruptcy entry on my credit report did not come from the court and is being unlawfully reported based on unverifiable third-party data ( PACER ). Since the court does not furnish this data to credit bureaus, you have no permissible source or authority to report it under the FCRA. 

Violations of the FCRA 1. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to ensure maximum possible accuracy.

You are reporting public record information that is not verified by the actual source and is thus inaccurate and unreliable.

2. FCRA 611 [ 15 U.S.C. 1681i ] Failure to reinvestigate disputed information.

This is now the second dispute. Your lack of a meaningful reinvestigation violates your legal obligation to resolve disputed items in good faith.

3. FCRA 602 [ 15 U.S.C. 1681 ( a ) ( 1 ) ] Permissible purpose.

There is no valid legal basis for using PACER data to report or confirm bankruptcy records without court authorization. 
4. FCRA 616 & 617 [ 15 U.S.C. 1681n, 1681o ] Willful and negligent noncompliance.

Now that youve been directly notified and presented with court-issued documentation, your continued reporting constitutes willful noncompliance.

FDCPA Violation 15 U.S.C. 1692c If this unverified reporting has triggered any collections, communications, or third-party disclosures, your conduct may also violate : 15 U.S.C. 1692c Improper communication in connection with the collection of a debt.

Continued publication of inaccurate data that results in unauthorized contact or communication constitutes grounds for legal action under the FDCPA. 

FINAL DEMAND You are hereby instructed to : DELETE the bankruptcy from my credit report without delay. 
Provide written confirmation of deletion within 15 calendar days from the receipt of this letter. 

If you fail to comply, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the California Attorney General. I will also pursue civil litigation for statutory, actual, and punitive damages. 

This matter is not up for negotiation. You are knowingly reporting unverifiable data in violation of federal law. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID Proof of address Credit report with bankruptcy highlighted Document from the U.S. Bankruptcy Court stating they do not report to credit bureaus

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