Consumer complaint received 2025-06-17 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: WI

Complaint narrative:
Complainant : XXXX XXXX XXXX Against : Experian Information Solutions , Inc . 

Subject : Failure to Provide Bankruptcy Reporting Verification Ongoing FCRA Violations To Whom It May Concern : I am filing this formal complaint against Experian Information Solutions , Inc. for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically as it relates to their reporting of a bankruptcy on my credit file.

I previously submitted written disputes directly to Experian requesting that they verify and provide documentation concerning the reporting of this bankruptcy, as permitted and required under 15 U.S.C. 1681i ( a ). My dispute specifically requested that Experian : Identify the original source of the bankruptcy reporting ( i.e., the court ), Provide copies of any documentation used to verify the bankruptcy entry, Confirm that any data being reported was obtained directly from the original public record source.

Failure of Experian to Comply Instead of conducting a reasonable reinvestigation and providing any supporting documentation, Experian responded only by stating that the bankruptcy had been verified by a data furnisher or third-party vendor. Experian has not provided me any original source documentation or records directly from the bankruptcy court.

It is well established that the bankruptcy courts do not report consumer data directly to Experian or any consumer reporting agency. In Huseman v. Equifax Information Services, LLC, 2015 WL 1964872 ( S.D. Ohio XX/XX/XXXX ), the court recognized that credit bureaus typically obtain bankruptcy information from third-party vendors such as XXXX or XXXX, but that does not constitute direct verification from the court. Relying solely on third-party vendors fails to satisfy Experians statutory duties under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a consumer reporting agency to conduct a reasonable investigation and verify data from the actual source when requested.

Further, in Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the Ninth Circuit emphasized that consumer reporting agencies may be held liable for failing to conduct an independent and reasonable investigation, particularly where they rely on inaccurate third-party data.

Experians Willful Violations Experians ongoing refusal to obtain verification directly from the bankruptcy court constitutes : A violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation.

A violation of 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy.

A violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to provide the method of verification.

A willful or negligent violation under Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), where the court held that consumer reporting agencies must go beyond parroting the furnishers response.

Despite my repeated written requests, Experian has failed to demonstrate compliance with these legal obligations, and to date has not provided any original bankruptcy documentation from the reporting source ( the court ). Instead, they continue to report unverifiable information damaging my credit.

Requested Action from CFPB I am now requesting the CFPB to intervene and require that Experian : 1. Provide direct verification of the bankruptcy reporting from the original source ( i.e., the bankruptcy court docket, certified court documents, or filings ).

2. Provide me with complete copies of all documentation and data relied upon to verify the reporting.

3. Immediately delete the bankruptcy entry from my credit file if proper verification can not be provided from the original source.

Failure to compel Experians compliance would permit an unlawful continuation of materially inaccurate credit reporting, which is severely harming my creditworthiness and financial standing.

Thank you for your attention to this serious matter. 

Respectfully, 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