Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against the credit bureaus for their continued violation of federal consumer protection laws by reporting false bankruptcy information on my credit file. This inaccurate reporting constitutes identity theft and misuse of my personal information. 

This issue has persisted for several months, despite multiple disputes I have filed with the credit bureaus requesting verification of the information. The credit bureaus have failed to provide any legitimate proof of how they obtained this record. To further investigate, I directly contacted the United States Bankruptcy Court for the XXXX XXXX XXXX Ohio, which is allegedly the source of this information. The court provided written confirmation stating they do not verify bankruptcy records for credit bureaus. This directly contradicts the credit bureaus claims and proves that they have been reporting unverified and inaccurate data. 

The credit bureaus have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to Conduct a Proper Investigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Despite my disputes, the credit bureaus failed to conduct a reasonable reinvestigation and continued to report false information.

Reporting False Information 15 U.S.C. 1681e ( b ) : The credit bureaus are required to ensure maximum possible accuracy in consumer reports. By reporting a bankruptcy record that the court has not verified, they have violated this requirement.

Their actions violate privacy laws, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), which restricts the permissible use of consumer information, and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6827 ), which mandates the protection of personal financial data. As a result, I have filed an identity theft complaint with the Federal Trade Commission ( FTC ) against the credit bureaus for their unlawful and unauthorized use of my personal information. 

The false bankruptcy record is was added to my credit report without my knowledge or consent. This constitutes identity theft, as the credit bureaus have illegally used my personal information to report inaccurate and damaging data. As a result, I have filed an identity theft complaint with the Federal Trade Commission ( FTC ) against the credit bureaus for their unlawful and unauthorized use of my personal information. 

Supporting Documentation I am attaching the following documents to support my complaint : Letter from the bankruptcy court confirming they do not verify records for credit bureaus. 
Previous dispute letters sent to the credit bureaus, demonstrating their failure to investigate. 
FTC identity theft report, documenting the unlawful use of my personal information.

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