Consumer complaint received 2025-03-24 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: DE

Complaint narrative:
Consumer Financial Protection Bureau Subject : Follow-Up Complaint Against Experian for FCRA Non-Compliance and Failure to Investigate Prior Investigation # XXXX Dear CFPB Representative, I am submitting this follow-up complaint regarding Experians continued failure to properly investigate, validate, and/or remove inaccurate information from my credit report. Specifically, Experian has refused to correct or remove a bankruptcy entry that has been inaccurately reported and improperly verified. 

Despite my initial dispute, which included certified documentation from the U.S. Bankruptcy Court in XXXX proving that the court does not share bankruptcy data with third-party agencies, Experian has unlawfully verified the inaccurate bankruptcy information as correct. Their response stated : " We have reviewed and considered theinformation you have supplied through the CFPB portal and directly to Experian. In your complaint, you are requesting to have inaccurate items listed on your credit report removed. At your request to conduct a reinvestigation, we contacted the public record vendor and asked them to verify the accuracy of the information with which you disagree.They responded and verified that the disputed information was accurate as reported. The result summary was sent to you for review. If you have any additional supporting new documentation regarding the disputed information, you may forward that to Experian for further review. '' This response does not resolve the issue and constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). Their failure to conduct a reasonable investigation under 15 U.S.C. 1681i, as well as their continued reporting of inaccurate and unverifiable information, violates federal law.

Consumer Law Violations : Failure to Conduct a Proper Investigation ( FCRA 15 U.S.C. 1681i ) : Experian is required to conduct a thorough and reasonable investigation when a consumer disputes the accuracy of information. Their reliance on a third-party vendor rather than direct verification from the court does not satisfy this requirement.

Failure to Ensure Maximum Possible Accuracy ( FCRA 15 U.S.C. 1681e ( b ) ) : The continued reporting of a bankruptcy that the court itself does not verify violates Experians duty to ensure credit reports are accurate.

Willful Noncompliance ( FCRA 15 U.S.C. 1681n ) : Because Experian has knowingly and willfully continued to report this inaccurate bankruptcy, I am entitled to statutory and punitive damages.

Negligent Noncompliance ( FCRA 15 U.S.C. 1681o ) : Experians failure to properly investigate has caused actual damages, including financial harm and emotional distress.

Violation of Bankruptcy Protections ( U.S. Bankruptcy Code 11 U.S.C. 524 ) : Reporting a bankruptcy inaccurately misrepresents my creditworthiness and violates the legal protections granted by a bankruptcy discharge. 

Requested Actions : Immediate Removal of the Inaccurate Bankruptcy Entry : The bankruptcy record must be removed from my credit report immediately. 

Monetary Relief : Due to Experians willful non-compliance, I am requesting monetary compensation for the financial and emotional damages I have suffered.

Regulatory Action : I request that the CFPB investigate Experians systemic failure to follow federal consumer protection laws and impose appropriate sanctions.

Experian has had ample timemore than the legally mandated 30-day periodto properly investigate my dispute and take corrective action. Instead, they have continued to report inaccurate information, causing significant harm to my financial well-being. I urge the CFPB to take immediate action against Experian to enforce compliance and prevent further violations against consumers. 

I look forward to your prompt response regarding the resolution of this 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