Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint I GIVE EXPERIAN AND XXXX XXXX PERMISSION TO PROCEED WITH COMPLAINT Complainant : XXXX XXXX Company Complained About : XXXX XXXX XXXX Experian Complaint Type : Credit reporting Inaccurate information on credit report Details of the Complaint : I am submitting this complaint because XXXX and Experian continue to inaccurately report a bankruptcy on my credit file, and remove alias name XXXX XXXX as well as outdated address where fraudulent accounts were attach to XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX, despite my prior CFPB complaint ( # XXXX ). EXPERIAN STATES ADDRESS IS TIED TO OLD OUTDATED CLOSED ACCOUNTS STILL AND CAN NOT REMOVE DESPITE FRAUDULENT ACCOUNTS WERE CREATED WITH THIS ADDRESS The bankruptcy in question is being reported as though verified, but I have obtained a letter from the United States Bankruptcy Court explicitly confirming that they do not furnish bankruptcy data to credit bureaus or third-party data aggregators such as XXXX. 

This confirms that : XXXX is not obtaining bankruptcy data directly from the courts and instead relies on incomplete/secondary sources. This means your reporting is based on third-party data mining ( e.g., XXXX  ), which is incomplete, outdated, and unreliable. 

Also pertaining to personal information it is false and/or associated with identity theft. I have never legally used the name XXXX XXXX and I have no connection whatsoever to the address at XXXX XXXX XXXX  XXXX, IL XXXX. 
Reporting this false data violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ), 15 U.S.C. 1681g : I have the right to know the sources of the inaccurate personal information reported.

FCRA 611 ( a ), 15 U.S.C. 1681i : You are required to reinvestigate disputed information within 30 days. If unverifiable, you must delete it immediately.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 : Furnishers are prohibited from reporting information they know or should know is inaccurate. 
I am demanding that you : Immediately delete the fraudulent alias XXXX XXXX. 
Immediately delete the fraudulent address XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX. 

Experian is publishing this inaccurate bankruptcy even though it can not be verified. 
This practice violates my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy.

The inaccurate reporting has caused me : Damage to my credit reputation and score.

Denial of credit opportunities.

Emotional and financial distress. 
Requested Resolution : Immediate deletion of the bankruptcy from all of my credit reports. 
Written confirmation of deletion by XXXX and Experian. 
Assurance that both entities cease using unverifiable bankruptcy data from third-party sources in the future. 
Supporting Documentation Attached : Prior CFPB complaint # XXXX. 
Letter from the U.S. Bankruptcy Court confirming they do not report to credit bureaus. 
Copies of my current credit reports showing the disputed bankruptcy. 

This matter has not been resolved despite my previous complaint, and I am requesting immediate enforcement action by the CFPB. 

This is a final notice before legal action. 
Sincerely, 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