Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi Re XXXX Bankruptcy verification Dear Consumer Credit Reporting Agencies Experian Equifax XXXX I recently applied for business start up credit for my business and was denied due to a bankruptcy that is negatively and adversely affecting my consumer credit report that is currently being reported by your agency. 
The court house had verified that they do not share personal information about consumers to third party entities such as Consumer Credit Reporting Agencies.

I understand that the XXXX XXXX protects consumers from their non-public information being reported by third party entities. 

I also understand that under 15 USC 1681 sec. 602, I XXXX XXXX do in fact have a right to privacy. As stated in 15 USC 1681 sec. 604a-2, third party agencies must have written permission from the consumer before posting any information that can adversely affect consumers.

David Bryant did not give any third party entity any written permission to report any information about me that would adversely affect my credibility as a consumer. 
I understand that under 15 USC 1681a ( 2 ) ( i ), a consumer reporting agency can not report transactions or experiences between consumers and creditors.

Isn't a discharge of debt regarding involving a consumer and a creditor considered a transaction or experience?

I understand that according to 15 USC 6802 and 15 USC 1681i ( 2 ) ( a ), consumer credit reporting agencies must give at least 5 day notice to consumers prior to reporting any negative or adverse information on any consumer along with the option to opt out of the reporting of that information.

I David Bryant did not receive proper notice nor was I given the opportunity to opt out of the reporting of any non public information.

I understand that it is a violation of 611a-7 15 USC 1681 to report unverified information about a consumer.

This should have been properly investigated before any information was reported by your agency without violating any federal laws Under sec. 611 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the consumer reporting agency must conduct a reasonable reinvestigation to thoroughly verify the accuracy of the reported information. If the information can not be properly verified by its original source then the information must be deleted per 15 USC 1681i ( 5 ) ( A ).

In accordance with 15 USC 1681i ( 6 ) ( B ) ( iii ), i demand a detailed description of your reinvestigation procedure including but not limited to How was this information verified What man or woman verified this information What documentation was used to verify the accuracy of this information Was my private protected during the reporting of this non public information According to 15 USC 1681i ( 7 ), your agency has 15 days to conduct its reinvestigation and produce accuracy of results that this information has been accurately verified or the consumer reporting agency must delete the item of information in question in accordance with 15 USC 1681i ( f ) ( b ) ( i ) or 15 USC 1681i ( 7 ) no later than 3 business days of receipt of notice with respect to paragraph ( 1 ) ( A ) of 15 USC 1681i. The agency shall provide a prompt notice that the item has been deleted as well as a copy of an updated consumer report.

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