Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
FINAL XXXX NOTICE OF NON-COMPLIANCE, FCRA VIOLATIONS, AND DEMAND FOR PERMANENT DELETION ( PURGE WITH PREJUDICE ) To : Experian From : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX Email : XXXX Date : XX/XX/XXXX RE : Failure to Remove Unlawfully Reported Chapter XXXX Bankruptcy CFPB Case : XXXX To the Executive Compliance Offices of Experian This letter serves as your FINAL 10-DAY NOTICE to immediately delete and permanently suppress with prejudice the inaccurately and unlawfully reported Chapter XXXX Bankruptcy appearing on my consumer file. 

I have received a response from XXXX XXXX XXXX, included in my ongoing CFPB case ( XXXX ), which clearly shows : XXXX can not verify the accuracy, origin, or completeness of the bankruptcy data. 
XXXX did not and can not obtain bankruptcy records directly from the courts, as federal courts do not furnish bankruptcy data to private data brokers. 
I did not authorize XXXX or Experian to obtain or distribute any bankruptcy information. 
XXXX response contains inconsistencies and fails to establish a permissible collection method, rendering the data unverified and inadmissible under federal law. 

This information, provided to you and then furnished by you to third-party users, is therefore illegally sourced, unverifiable, incomplete, and in violation of federal consumer reporting requirements. 
Response from XXXX You were notified over 30 days ago and have failed to remove the bankruptcy from my file. 
This is an active and ongoing FCRA violation. 

VIOLATIONS OF FEDERAL LAW 1. FCRA 611 ( a ) ( 1 ) ( A ) Failure to Reinvestigate Within 30 Days You have exceeded your legally mandated reinvestigation timeline.

2. FCRA 607 ( b ) Duty to Maintain Maximum Possible Accuracy You can not maintain or furnish data that : Originated from illegal or improper sources, Is unverified, Can not be confirmed by a court or an original filer, Is supplied by a third-party data broker that can not validate its collection method.

3. FCRA 605 ( a ) No Reporting of Inaccurate Public Records A bankruptcy not obtained directly from the court can not be reported.

Courts do not send bankruptcy records to data miners. 
This is supported by federal judiciary statements and multiple legal opinions discrediting the scraping of PACER records.

4. FCRA 609 ( a ) ( 2 ) Failure to Provide the Source of Information Experian has failed to furnish : The original furnisher The method of verification Any proof that a valid, permissible source provided the data Your disclosures were incomplete and misleading. 

RELEVANT CASE LAW SUPPORTS IMMEDIATE DELETION XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA can not rely on a third party alone during reinvestigation ; must conduct an independent investigation. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reporting unverifiable information is considered defamation under FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Unverified information must be deleted, not continued. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX Use of unverified public-record data violates XXXX ( b ) accuracy standards. 
XXXX v. Equifax, XXXX XXXX XXXX XXXX XXXX CRAs can not publish or maintain data obtained through unlawful means. 
YOUR REPORTING IS UNLAWFUL BECAUSE : The bankruptcy data was obtained through XXXX, not from the court XXXX can not verify accuracy or chain-of-custody The court did not furnish the data I never authorized this data to be collected or distributed Your reinvestigations exceeded 30 days You failed to produce a valid source You are continuing to publish harmful, false, and unverified information

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