Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX DOB : XX/XX/XXXX XXXX : XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Date : XX/XX/XXXX RE : Formal Dispute Inaccurate & Unverifiable Bankruptcy Reporting To Whom It May Concern : I am formally disputing the bankruptcy reporting on my credit file with Experian. My file lists a XXXX XXXX XXXXankruptcy petition filed on XX/XX/XXXX ( Reference # XXXX ), and in the case of TransUnion, also lists a dismissed bankruptcy filed on XX/XX/XXXX ( Reference # XXXX ). This reporting is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

* * Violation Grounds : * * 1. * * FCRA 1681e ( b ) * * The bureau must ensure maximum possible accuracy. The reporting contains duplicate bankruptcy records and/or dismissed cases that no longer have a permissible purpose to be reported.

2. * * FCRA 1681i ( a ) * * You must reinvestigate disputed information and delete or correct any information that can not be verified with the original source.

3. * * FCRA 1681k ( a ) * * Public record information must be obtained directly from the court within the past 90 days to be reported as current. Provide proof of compliance or delete the record.

4. * * Metro 2 Compliance * * Bankrup
tcy coding must reflect accurate status. Reporting a dismissed and active bankruptcy simultaneously, or retaining outdated status codes, is a violation.

* * Demands : * * - Delete the inaccurate bankruptcy entries from my credit file.

- Provide the name, address, and telephone number of the court clerk you contacted, as well as a copy of any certified documentation you relied upon.

Failure to comply will result in legal action under FCRA 1681n and 1681o for willful and negligent noncompliance.

Please complete this reinvestigation within the required 30 days and send me an updated copy of my credit report. 

Sincerely, ___________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX DOB : XX/XX/XXXX XXXX : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX RE : Formal Dispute Inaccurate & Unverifiable Bankruptcy Reporting To Whom It May Concern : I am formally disputing the bankruptcy reporting on my credit file with Equifax. My file lists a XXXX XXXX  bankruptcy petition filed on XX/XX/XXXX ( Reference # XXXX ), and in the case of TransUnion, also lists a dismissed bankruptcy filed on XX/XX/XXXX ( Reference # XXXX ). This reporting is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

* * Violation Grounds : * * 1. * * FCRA 1681e ( b ) * * The bureau must ensure maximum possible accuracy. The reporting contains duplicate bankruptcy records and/or dismissed cases that no longer have a permissible purpose to be reported.

2. * * FCRA 1681i ( a ) * * You must reinvestigate disputed information and delete or correct any information that can not be verified with the original source.

3. * * FCRA 1681k ( a ) * * Public record information must be obtained directly from the court within the past 90 days to be reported as current. Provide proof of compliance or delete the record.

4. * * Metro 2 Compliance * * Bankruptcy coding must reflect accurate status. Reporting a dismissed and active bankruptcy simultaneously, or retaining outdated status codes, is a violation.

* * Demands : * * - Delete the inaccurate bankruptcy entries from my credit file.

- Provide the name, address, and telephone number of the court clerk you contacted, as well as a copy of any certified documentation you relied upon.

Failure to comply will result in legal action under FCRA 1681n and 1681o for willful and negligent noncompliance. 

Please complete this reinvestigation within the required 30 days and send me an updated copy of my credit report. 

Sincerely, ___________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX DOB : XX/XX/XXXX XXXX : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : Formal Dispute Inaccurate & Unverifiable Bankruptcy Reporting To Whom It May Concern : I am formally disputing the bankruptcy reporting on my credit file with TransUnion. My file lists a XXXX XXXXXXXX bankruptcy petition filed on XX/XX/XXXX ( Reference # XXXX ), and in the case of TransUnion, also lists a dismissed bankruptcy filed on XX/XX/XXXX ( Reference # XXXX ). This reporting is inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

* * Violation Grounds : * * 1. * * FCRA 1681e ( b ) * * The bureau must ensure maximum possible accuracy. The reporting contains duplicate bankruptcy records and/or dismissed cases that no longer have a permissible purpose to be reported.

2. * * FCRA 1681i ( a ) * * You must reinvestigate disputed information and delete or correct any information that can not be verified with the original source.

3. * * FCRA 1681k ( a ) * * Public record information must be obtained directly from the court within the past 90 days to be reported as current. Provide proof of compliance or delete the record.

4. * * Metro 2 Compliance * * Bankruptcy coding must reflect accurate status. Reporting a dismissed and active bankruptcy simultaneously, or retaining outdated status codes, is a violation.

* * Demands : * * - Delete the inaccurate bankruptcy entries from my credit file.

- Provide the name, address, and telephone number of the court clerk you contacted, as well as a copy of any certified documentation you relied upon.

Failure to comply will result in legal action under FCRA 1681n and 1681o for willful and negligent noncompliance. 

Please complete this reinvestigation within the required 30 days and send me an updated copy of my credit report. 

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