Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Date : XX/XX/XXXXXXXX XXXX XXXX  To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Bankruptcy Reporting Account in Dispute XXXX XXXX XXXX Bankruptcy Reference Number : XXXX Dear Experian and TransUnion Dispute Departments, I am writing to formally dispute the XXXX XXXX Bankruptcy ( Reference Number : XXXX ) currently reporting on both my Experian and TransUnion credit reports. I demand the immediate and permanent deletion of this entry as it has been verified through direct contact with the bankruptcy court that no such bankruptcy filing exists under my name. The court has also confirmed they do not report to any credit bureau, which brings into question the source and legitimacy of this public record entry. 
This reporting is a gross violation of my rights under federal law and represents harmful misinformation that has caused me financial and reputational harm. 

Applicable Federal Consumer Protection Laws Violated : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy. Reporting a bankruptcy that was never filed violates this obligation.

15 U.S.C. 1681b : All information in a credit report must have a permissible purpose. An inaccurately sourced and unverifiable bankruptcy does not meet that legal threshold.

15 U.S.C. 1681c-2 : You are required to block identity theft-related or inaccurate information once proper evidence is presented. I am prepared to provide proof that this bankruptcy does not belong to me.

15 U.S.C. 1681q : It is a federal offense to knowingly and willfully obtain or furnish false information to a consumer reporting agency.

18 U.S.C. 1028A : Criminal penalties apply for identity theft or the misuse of personal identifying information, including if my information was fraudulently associated with a bankruptcy that was not mine.

My Formal Requests : 1. Permanently delete the Chapter 7 Bankruptcy ( Ref. No. 1933725 ) from my credit report with both Experian and TransUnion.

2. Provide written confirmation of the deletion and results of your reinvestigation.

3. Block the reinsertion of this bankruptcy entry under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) unless fully verified by lawful, original court documentation.

4. Disclose the source from which this information was obtained so I may further investigate how this inaccurate record came to be associated with my file.

If this matter is not resolved within the 30-day window mandated by the Fair Credit Reporting Act, I will escalate with formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) , and seek legal remedies under 15 U.S.C. 1681n and 1681o for negligent and willful noncompliance.

Thank you for your immediate attention to this serious matter. 

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