Consumer complaint received 2025-01-05 00:00:00
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.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Bankruptcy Reporting and Violations of the Fair Credit Reporting Act ( FCRA ) Dear Experian I am writing to dispute the bankruptcy information reported on my credit report, which reflects serious violations of the Fair Credit Reporting Act ( FCRA ). Upon review, My Attorney and I have identified several inaccuracies and omissions regarding the source of this data, and I am requesting immediate action to address these issues.

Failure to Identify the True Data Furnisher The bankruptcy information on my credit report attributes the data source to the Bankruptcy Courts. However, Bankruptcy Courts do not furnish data directly to credit reporting agencies ( CRAs ). Instead, the data is
typically obtained from third-party providers, such as XXXX. 
Under the FCRA, CRAs are required to report the true source of information accurately ( 15 USC 1681e ( b ) ). By failing to identify XXXX or another third-party provider as the actual furnisher of this information, the CRA has failed to meet this obligation. This misrepresentation not only violates the FCRA but also undermines the credibility and transparency of the reported data.

No Verified Data Furnisher Data Must Be Removed If the CRA can not identify the true furnisher of the bankruptcy information, then the data must be removed entirely from my credit report. The FCRA prohibits CRAs from including unverifiable or unsubstantiated information in a consumer 's credit report. Reporting data without an identified, verifiable furnisher constitutes a clear violation of this requirement. 
XXXX Disclaimer Discredits the Data If XXXX is indeed the third-party provider of this information, their own disclaimers cast serious doubt on the reliability and accuracy of the data. XXXX has explicitly acknowledged that its bankruptcy reports may contain errors and are not guaranteed to be free from defects. Relying on information from a source that openly disclaims its accuracy demonstrates a failure to ensure the maximum possible accuracy of consumer credit reports, as required by the FCRA ( 15 USC 1681e ( b ) ).

Formal Request for Immediate Action Based on the above violations, I formally request the following : 1. Immediate removal of all bankruptcy-related information from my credit report unless the CRA can provide clear and accurate documentation of the true data furnisher.

2. Written confirmation that any unverifiable or inaccurate data has been deleted from my credit report.

3. Evidence of the CRAs compliance with its FCRA obligations to investigate and ensure the accuracy of reported data.

Failure to address this matter promptly and appropriately may result in further action to protect my rights under the FCRA. I trust that you will treat this dispute with the seriousness it deserves and take immediate corrective action.

Thank you for your attention to this matter. I look forward to your response and confirmation of the resolution Bureau : Experian Creditor : XXXX Additional relevant fields are : Type reported as XXXX XXXX Bankruptcy Status reported as Discharged Date File Reported as XX/XX/XXXX Reference reported as XXXX Closing Date reported as XX/XX/XXXX Court reported as XXXX XXXX XXXX XXXX XXXX Exempt Amount reported as XXXX Asset Amount reported as XXXX Please send a copy of my credit file with the above account corrected or permanently removed. Additionally, I reserve my right to file Civil action in Federal Court if you continue to willfully violate the Law. Attached are my FCRA required Proof of Identification. 

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