Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Experian for their failure to remove an inaccurate bankruptcy entry from my credit report, despite my previous dispute and supporting documentation. This unresolved issue continues to harm my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, XX/XX/year>, and XX/XX/year>, I submitted a dispute to Experian regarding a bankruptcy that appears on my credit report. Along with my dispute, I included confirmation from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which clearly states that the court does not report bankruptcy filings to any credit reporting agencies, including Experian. This demonstrates that Experian has relied on unverifiable or inaccurate information in reporting the bankruptcy. 

However, despite their obligation under the FCRA to conduct a reasonable investigation, Experian failed to remove the bankruptcy. They have also not provided me with any documentation or credible verification to prove the accuracy of this entry. 

Experians failure to properly investigate and verify this bankruptcy entry violates the FCRA, which requires credit reporting agencies to ensure maximum possible accuracy. If Experian can not validate this bankruptcy directly through the bankruptcy court, the law mandates that they remove it from my credit report. 

The continued presence of this inaccurate bankruptcy negatively impacts my credit score, financial reputation, and ability to access credit.

I respectfully request that the CFPB take action to ensure Experian complies with the FCRA and addresses my concerns. Specifically, I ask that Experian : Conduct a thorough reinvestigation of my dispute regarding the bankruptcy reporting. 
Remove the bankruptcy entry unless they can provide valid, court-certified documentation that verifies the information. 
Provide me with written confirmation of the resolution and an updated credit report once the bankruptcy is removed. 

Supporting Documentation I have attached : A copy of the original dispute I sent to Experian. 
Confirmation from the UNITED STATES BANKRUPTCY XXXX XXXX XXXXXXXX XXXX XXXX stating that they do not report bankruptcies to credit bureaus. 

The presence of this unverifiable bankruptcy on my credit report is damaging my financial reputation and creating unnecessary barriers to credit access. Credit reporting agencies like Experian must be held accountable for ensuring that only accurate and verifiable information is reported, as required by law. 

I trust the CFPB will address this matter promptly and ensure Experian fulfills its legal obligations. Please let me know if additional information is required to assist with your investigation. 

Thank you for your time and attention. 

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