Consumer complaint received 2025-01-11 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: AZ

Complaint narrative:
Dear CFPB, I am submitting this complaint against Experian Information Solutions , Inc. due to their failure to remove an inaccurate bankruptcy record from my credit report, despite receiving clear evidence from XXXX confirming the error. XXXX has acknowledged their mistake in providing Experian with this false information and has provided written confirmation that the bankruptcy record is being removed from their records ( Dispute Case # XXXX ). I have also provided Experian with a letter from the bankruptcy court verifying that no such information was shared with Experian or XXXX. 

Despite my efforts to resolve this matter directly, Experian has failed to take appropriate action. Their automated phone system does not allow for meaningful communication, and their website provides no clear avenue for resolving this type of dispute. Additionally, Experian has not reviewed this matter with the thoroughness required by law. This negligence is in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), as demonstrated by the following : Violation of FCRA, 15 U.S.C. 1681e ( b ) : Experian failed to use reasonable procedures to ensure maximum possible accuracy in my credit report.

Violation of FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : Experian neglected to remove unverifiable information after receiving evidence that the bankruptcy record was incorrect.

Violation of CFPA, 12 U.S.C. 5531 ( c ) ( 1 ) : Experians failure to provide adequate dispute resolution processes constitutes an unfair act or practice. 

These actions align with issues outlined in a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian, which highlights their failure to reasonably investigate disputes, forward relevant information to furnishers, and ensure the accuracy of consumer reports. 

Action Requested I request that the CFPB : Investigate Experians failure to comply with FCRA and CFPA obligations in handling my dispute. 
Ensure Experian promptly deletes the inaccurate bankruptcy record from my credit report. 
Require Experian to confirm the resolution of this dispute with a written notice reviewed by a human, not an automated system. 
For reference, I have attached : The confirmation letter from XXXX acknowledging their error and removal of the false bankruptcy record. 
A letter from the bankruptcy court confirming they did not provide the disputed information to Experian or XXXX. 
My prior correspondence with Experian, including proof of my attempts to resolve this matter. 
I demand a resolution to this matter without delay. This false information is causing significant harm to my creditworthiness and financial well-being. 

Thank you for your attention to 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