Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXSSN: XXXXDOB: XXXXEmail: XXXXDate: May 3, XXXXExperian\XXXX XXXX XXXX XXXX XXXXXXXX: DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS  FCRA, UCC, AND FEDERAL VIOLATIONS\nTo Whom It May Concern,\n\nThis is a formal legal demand for the immediate deletion of the bankruptcy public record and the associated accounts listed below. These entries are being reported on my Experian credit report without lawful verification, in violation of multiple federal statutes including the Fair Credit Reporting Act (FCRA), Uniform Commercial CXXXXe (UCC), and federal bankruptcy law.\n\n BANKRUPTCY PUBLIC RECORD:XXXX XXXX XXXX XXXX XXXXCase XXXX XXXX ACCOUNTS INCLUDED IN BANKRUPTCY  DEMAND FOR DELETION:\nCreditor\tAccount Number\tStatus\tBalance\XXXX XXXX XXXX XXXXtIncluded in BankruptcyXXXX XXXX XXXX XXXXIncluded in BankruptcyXXXX XXXXIncluded in BankruptcyXXXX XXXX XXXX XXXXtIncluded in BankruptcyXXXX XXXX XXXX XXXX XXXXIncluded in BankruptcyXXXX  VIOLATIONS COMMITTEDXXXX XXXX(b)  Reporting must be 100% accurate and verifiable. The continued reporting of these accounts post-bankruptcy, especially with in-dispute or charged-off status, is misleading and unlawful.XXXX XXXX   No permissible purpose has been documented for continued reporting of this discharged public record or the accounts linked to itXXXX XXXXa)(XXXX)  I demand the original documentation used to verify each account and the bankruptcy filing. Without legal contracts or source verification, deletion is required.XXXX XXXX   You are legally required to reinvestigate any disputed data. Failure to provide full verification will result in forced deletion.\XXXX XXXX   I demand presentment of the original obligations or legal documentation used to justify continued reporting.XXXX XXXX  I reserve all rights without prejudice and do not waive the right to seek legal remedy for damages.\n\nFederal Rule of Evidence XXXX   Any verification from third parties (XXXX XXXX must be certified and authenticated. If not, it is inadmissible under federal law.\n\nBankruptcy CXXXXe XXXX(a)(XXXX)  You are prohibited from reporting, collecting, or misrepresenting discharged debts. Any continued in-dispute, open, or charged-off language after discharge is a violation.\n\n DEADLINE  XXXX CALENDAR DAYS:\nYou have XXXX  days to:\n\nPermanently delete the above-referenced bankruptcy record\n\nRemove all accounts associated with that bankruptcy\n\nProvide written confirmation or certified documentation as legal proof\n\nFailure to comply will result in:\n\nFormal complaints to the CFPB, FTC, and XXXX Attorney General\n\nLegal action under XXXX XXXX & XXXX for willful noncompliance and consumer harm\n\nA lawsuit for defamation, financial injury, and statutory damages\n\nThis is your final notice. Remove all inaccurate, unverifiable, and misleading bankruptcy-related data from my Experian file immediately.\n\nSincerely,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