Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
EXHIBIT A VIOLATION SUMMARY Experian Information Solutions XXXX Inc. and Associated Data Furnishers Dispute Date ( s ) : XX/XX/year> Reinvestigation Result : Experian response stating item not appearing or already reflected the requested status, without verification of source. 

Supporting Evidence : Letter from the United States Bankruptcy XXXX ( XXXX XXXX XXXX Virginia, XXXX XXXX XXXX ) confirming the XXXX does not report or verify any data with credit reporting agencies. 

I. Violations by Experian ( Credit Reporting Agency ) 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy of information in the consumer file. 

Experian reported a bankruptcy allegedly obtained from the XXXX Bankruptcy XXXX, even though the XXXX confirms it does not furnish such information. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information within the statutory period. 

XXXX reinvestigation response was perfunctory and did not verify the source or accuracy of the bankruptcy record. 

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Failure to forward all relevant information from the consumer to the furnisher during reinvestigation. 

There is no evidence Experian forwarded the bankruptcy-court correspondence provided by the consumer. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete or correct inaccurate or unverifiable information after reinvestigation. 

Experian continued to report or reference the false bankruptcy record despite lack of verification. 

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) Failure to provide the consumer written notice of reinvestigation results identifying the name, address, and telephone number of the furnisher contacted. 

XXXX response omitted required details about the data source. 

15 U.S.C. 1681g ( a ) Failure to disclose all information in the consumers file and the sources of such information upon request. 

Experian did not identify the vendor or public-records provider responsible for supplying the bankruptcy data. 

15 U.S.C. 1681c ( a ) ( 1 ) Reporting obsolete information. 

If the alleged bankruptcy predates XXXX ( XXXX ) years from the filing date, Experian was prohibited from reporting it. 

15 U.S.C. 1681c-2 ( a ) Failure to block information resulting from identity theft after receipt of a valid identity-theft report and proof of identity ( if applicable ). 

15 U.S.C. 1681n Willful non-compliance with FCRA obligations, subjecting Experian to statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, costs, and attorneys fees.

15 U.S.C. 1681o Negligent non-compliance with FCRA obligations, entitling the consumer to actual damages and attorneys fees. 

XXXX. Violations by Data Furnisher / Public-Records Vendor 15 U.S.C . 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate. 

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ) Failure to investigate, review relevant information, correct or delete inaccurate information, and notify all CRAs after receiving notice of dispute from Experian. 

XXXX. Related Violations ( if Debt Collector Involved ) 15 U.S.C. 1692e ( 8 ) Communicating false credit information or failing to report a disputed debt.

15 U.S.C. 1692k Civil liability for FDCPA violations ( actual and statutory damages up to {$1000.00} per action plus attorneys fees ). 

XXXX. Damages and Enforcement Negligent Non-Compliance ( 1681o ) : Actual damages + attorneys fees.

Willful Non-Compliance ( 1681n ) : Actual and/or statutory damages ( {$100.00} {$1000.00} per violation ), punitive damages, + attorneys fees. 

FDCPA XXXX : Actual damages + up to {$1000.00} statutory + fees. 

Administrative Enforcement : CFPB, FTC, and State Attorneys General ( 15 U.S.C. 1681s ( c ) ).

Statute of Limitations ( 1681p ) : XXXX ( XXXX ) years from discovery or XXXX ( XXXX ) years from the violation, whichever occurs first. 

V. Summary Statement Experians continued reference to a bankruptcy item derived from an unverifiable or false source, coupled with its inadequate reinvestigation, constitutes multiple violations of the Fair Credit Reporting Act. 

The conduct demonstrates both negligent and willful non-compliance, causing reputational and financial harm to the consumer and warranting deletion of the item, statutory relief, and appropriate administrative or judicial remedies.

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