Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Against Credit Reporting Agencies Filed by : XXXX XXXX XXXX XXXX XXXX Unfair, Deceptive, and Inaccurate Bankruptcy Reporting To Whom It May Concern, I am filing this formal complaint against Experian, XXXX, and XXXX for their unlawful, deceptive, and inaccurate reporting of a bankruptcy on my credit report. These agencies have engaged in unfair credit reporting practices by listing a bankruptcy that was never verified through any legal or permissible source. 
1. The Credit Reporting Agencies Did Not Lawfully Obtain XXXX  Information Credit reporting agencies do not have direct access to XXXX, the federal court records system. XXXX  does not furnish consumer bankruptcy information to any credit bureau, meaning the credit bureaus have no legitimate source for reporting bankruptcy records. If the credit bureaus claim they obtained this information from a third-party data aggregator, this still does not satisfy their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to ensure that the information is accurate and verifiable.

2. Reporting XXXX  Information Without a Permissible Purpose Violates the Law Under FCRA Section 604 ( 15 U.S.C. 1681b ), consumer reporting agencies must have a legitimate and legal basis to obtain and report consumer information. Since they do not and can not legally obtain XXXX  records directly from the courts, they have no lawful basis to place a bankruptcy on my report.

This constitutes a violation of the FCRA and an unfair and deceptive trade practice under the Federal Trade Commission ( FTC ) Act, as well as a violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531. 
XXXX. The Reported XXXX  Information is Inaccurate and Inconsistent Each credit reporting agency has reported different bankruptcy details, which is clear evidence that the information is inaccurate, unverified, and inconsistent in violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ).

Equifax states that a XXXX  was filed on XX/XX/year> under XXXX # XXXX in XXXX XXXX  XXXX - XXXX. 
Experian reports a XXXX  XXXX XXXX  petition filed on XX/XX/year> under XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX has reported a XXXX  XXXX XXXX  under XXXX XXXX XXXX on XX/XX/year>. However, as demonstrated in previous records, XXXX and Experian report conflicting XXXX  details, which is direct proof of : XXXX. Inconsistency Across Agencies The reported XXXX  details do not match between XXXX, XXXX, and Experian, violating the maximum possible accuracy requirement under FCRA 1681e ( b ).

2. Unverified & Unlawfully Obtained Data Since XXXX  does not furnish information to credit bureaus, XXXX source for this XXXX  is unverifiable and legally questionable. 
3. Failure to Provide Proper Notice Under FCRA 623 ( a ) ( 7 ), furnishers must provide written notice before reporting a negative item like a XXXX. No such notice was received.

Accounts XXXX XXXX  and XXXX XXXX XXXX XXXX needs to be removed as well Legal Demand for Immediate Action Immediate deletion of this XXXX  from XXXX, XXXX, and Experian reports. 
A formal CFPB investigation into how the credit bureaus unlawfully obtained and reported this XXXX. 
Full disclosure of the source used to obtain this XXXX  data. 
This latest report further proves that these agencies can not be trusted to report XXXX  fairly or accurately, making their actions deceptive and unlawful under federal law. 
Ill continue building a strong legal argument to ensure the credit bureaus are held accountable. Let me know if you want to add anything else e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Clearly, they have failed this requirement, rendering this XXXX  entry inaccurate and illegal. 
4. The Credit Reporting Agencies Must Immediately Remove This XXXX  Since the XXXX  information was obtained unlawfully, reported inconsistently, and is unverifiable, I demand the following corrective actions : Immediate removal of the XXXX  from my credit reports across all agencies. 
A full investigation into how these agencies obtained this information and what verification process, if any, was used. 
A CFPB enforcement action against Experian, Equifax, and TransUnion for their unfair, deceptive, and unlawful credit reporting practices. 
Failure to comply will result in further legal action, including but not limited to : A formal lawsuit for violations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act. 
A Federal Trade Commission ( FTC ) complaint for deceptive and unfair practices under 15 U.S.C. 45.

The CFPB has the authority under 12 U.S.C. 5565 to take enforcement actions against these agencies, and I urge the Bureau to investigate these serious violations immediately.

I expect a written response and a resolution within 30 days, as required by law. 
Sincerely, XXXX 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