Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Re : Immediate Removal of Unverifiable Bankruptcy Information from Experian Credit Report Dear CFPB, I am filing this formal complaint regarding Experian 's refusal to remove inaccurate and unverifiable bankruptcy information from my credit report, despite my repeated disputes and submissions of supporting evidence, including an FTC report. Experians actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ), and I am requesting the CFPB to step in and enforce Experians obligations under federal law. 

Background of the Issue : Unverifiable Bankruptcy Reporting : XXXX XXXX XXXX XXXX XXXX XXXX The bankruptcy currently reported on my Experian credit file is sourced from XXXX XXXX or a similar third-party vendornot from the Bankruptcy Court itself . The Bankruptcy Court has explicitly stated that it does not communicate with credit bureaus, meaning Experian can not directly verify this information with the original source. This violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the accuracy and verifiability of reported information. 
Lack of Consumer Authorization : Under 15 U.S.C. 1681b, a consumer reporting agency may only include information on a credit report with the consumers authorization or for a permissible purpose. I have not consented to nor authorized the inclusion of this unverifiable bankruptcy information on my credit report. 
Previous Disputes and FTC Report Submission : I have disputed this bankruptcy information with Experian multiple times and provided them with an FTC Identity Theft Report to support my position. Despite my efforts, Experian has failed to remove this inaccurate information, further perpetuating harm to my financial well-being. 
Experians Reliance on Third-Party Data : Experians reliance on XXXX XXXX or similar third-party vendors instead of verifying directly with the Bankruptcy Court demonstrates negligence and non-compliance with the FCRA. This practice undermines the integrity of consumer credit reports and violates my rights as a consumer. 
Action Requested from the CFPB : I respectfully request that the CFPB : Investigate Experians Non-Compliance : Initiate an investigation into Experians reporting practices and its reliance on third-party data that can not be properly verified. 
Enforce the Immediate Removal of the Bankruptcy : Require Experian to remove this unverifiable bankruptcy information from my credit report within 24 hours of receiving this complaint, as Experian has failed to meet its obligations under the FCRA. 

Ensure Future Compliance : Mandate that Experian revise its public records reporting procedures to comply with FCRA requirements, ensuring all reported information is accurate, verifiable, and obtained directly from original sources. 

To Experian : The CFPB has been notified of this matter, and I demand that Experian immediately remove the bankruptcy information from my credit report. Your continued failure to comply with the FCRA is unacceptable and has caused significant harm to my creditworthiness and financial stability. 

By refusing to verify this information with the original sourcethe Bankruptcy Courtand relying on third-party data, you are willfully disregarding your legal obligations under the FCRA. I expect immediate corrective action and a written confirmation of the removal. 

This matter requires urgent resolution, and I trust the CFPB will ensure accountability for Experians violations. 


THANK YOU

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