Consumer complaint received 2025-11-25 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:
To Whom It May Concern : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of certain information on my Experian credit file. Please conduct a reinvestigation under 15 U.S.C. 1681i and either correct or delete the items listed below. 

1. Public Record XX/XX/XXXXBankruptcy XX/XX/XXXX bankruptcy filed XX/XX/year>, reference number XXXX, XX/XX/XXXX GA XXXX ( reported as dismissed ). 

Reason for dispute : The reporting must clearly and accurately reflect the current status of this case, including the fact that the case was dismissed and that no confirmed plan is in effect. Additionally, there appears to be another XX/XX/XXXX XXXX filing from XX/XX/year> shown on my other credit reports, which raises questions about the completeness of Experians public records. 

Method of Verification Request ( Public Record & Bankruptcy ) : In addition to my dispute, I am formally requesting the method of verification for this bankruptcy/public record entry pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). After you complete your reinvestigation, please provide me with a written description of the precise procedures you used to verify this public record, including : Whether Experian obtained information directly from the courthouse, and if so, the name and address of the court and the specific department or clerk contacted ; Whether Experian relied on any third-party public record vendor or data aggregator ( rather than the court itself ), including the name, address, and telephone number of each such company and the exact data they furnished ; A description of any automated, off-site, or bulk data systems used to verify or update this public record instead of accessing current court records ; and An explanation of how these procedures satisfy Experians duty under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy, particularly when information is not obtained directly from the court. 

If Experian can not clearly document that the bankruptcy/public record data was obtained from a reliable, accurate, and directly verifiable source using reasonable procedures, then this entry must be deleted from my credit file. 

2. XXXX XX/XX/XXXX Account No. XXXX Reason for dispute : Experian reports this account as open/never late with a balance of approximately {$5400.00} and a credit limit of {$5000.00}, showing over-limit usage. On my Equifax report, the same XXXX card number is reported as included in XX/XX/XXXX XXXX and closed, with an entirely different status. These conflicting reports can not both be accurate. 

I am disputing the accuracy and completeness of the data being reported. Please obtain full documentation from XXXX, including : Current account status ( open or closed ) ; Accurate balance and credit limit ; Whether it was actually included in any bankruptcy proceeding ; and Any updates after dismissal of my XX/XX/XXXX XXXX case. 

If XXXX can not provide documentation that supports the version Experian is reporting, please correct the tradeline to the verified status or delete it. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX Account No. XXXX Reason for dispute : Experian reports this XXXX account as open and never late with a balance of approximately {$220.00} and a {$300.00} limit. On my other reports ( XX/XX/XXXX and XX/XX/XXXX ), a XXXX account with the same number is shown as included in XX/XX/XXXX XXXX / wage earner plan / closed. This cross-bureau inconsistency suggests that at least one set of data is incorrect or incomplete. 

Please verify directly with the furnisher and : Confirm whether this account is truly open and never late, or whether it was included in a dismissed XX/XX/XXXX XXXX ; and Correct the tradeline to reflect the true, current status, or delete it if proper verification can not be obtained. 

Relief Requested For each item disputed above, I request that Experian : 1. Conduct a reasonable reinvestigation consistent with 15 U.S.C. 1681i ; 2. Obtain real documentation from the furnisher and the court, not just automated coding ; 3. Delete or correct any item that can not be fully verified ; and 4. Provide me with an updated copy of my Experian credit report and a written description of the procedures used in your reinvestigation, including the method of verification for the public record as requested above. 

Enclosed are copies of my ID and proof of address for identification. 

Sincerely, XXXX XXXX By : 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