Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX The following personal information is incorrect Former : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX NV XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX XXXX. The presence of this bankruptcy on my credit report violates 15 U.S CXXXXe XXXX a ( XXXX ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX Case Number : XXXX Please be advised that the court does not send information to any websites internet search engines or credit reporting agencies instead credit reporting agencies and other information providers collect information regarding bankruptcy cases from the court 's public records. Once a case is filed with the bankruptcy court that case becomes part of the court 's permanent records. Regardless of the status of your case ( open closed XXXXXXXX XXXX etc. ) the credit reporting agencies can still report your case on your credit report for up to XXXX years. If you believe there is an error on the web or in your credit report you must resolve that with the website or reporting agency directly. This is a clear violation of FCRA 15 U.S.C. XXXX. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. 

XXXX. The presence of this bankruptcy on my credit report violates 15 U.S CXXXXe XXXX a ( XXXX ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX Case Number : XXXX Please be advised that the court does not send information to any websites internet search engines or credit reporting agencies instead credit reporting agencies and other information providers collect information regarding bankruptcy cases from the court 's public records. Once a case is filed with the bankruptcy court that case becomes part of the court 's permanent records. Regardless of the status of your case ( open closed XXXXXXXX XXXX etc. ) the credit reporting agencies can still report your case on your credit report for up to XXXX years. If you believe there is an error on the web or in your credit report you must resolve that with the website or reporting agency directly. This is a clear violation of FCRA 15 U.S.C. XXXX. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX violation of 15 USC XXXXg. Validate this account. You have XXXX  days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC XXXXg. Validate this account. You have XXXX  days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section XXXX A 15 USC cXXXXe XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC XXXXg - Failure to provide full disclosure. remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. CXXXXe XXXXb - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 usc XXXXe ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 usc XXXXe ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX BANK Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 usc XXXXe ( b ) faling to provide maximum possible accuracy. This must be deleted XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of 15 USC XXXXg - Failure to provide full disclosure. remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. CXXXXe XXXXb - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my report. It is my understanding that you will verify these items with the relevant creditor. I kindly ask you to remove any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. XXXX XXXXXXXXi ( a ), you are required to complete this investigation within XXXX days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. It should be noted that, as stated in the act, there should be no charge for this updated report. Additionally, I request that you notify any recipients of my credit report within the last XXXX months of the corrections made. 

Thank you for your time and assistance in resolving this matter.

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