Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To Whom It May Concern : I am writing regarding an inaccurate and unverifiable bankruptcy record appearing on my credit report. This is my fourth attempt to dispute this matter. I am requesting immediate removal of this information as it violates my rights under the Fair Credit Reporting Act ( FCRA ) and Section 623 responsibilities of furnishers. 

The bankruptcy listed on my credit report pertains to case [ Case Number ], allegedly filed in [ Year ], in the XXXX XXXX XXXX XXXX XXXX. I have obtained a formal letter from the XXXX XXXX XXXX XXXX XXXX  ( which I have previously submitted ) confirming that they do not report information to credit bureaus or third-party agencies such as XXXX. As a court is not a creditor or furnisher of information, the inclusion of this record on my report is both improper and misleading. 

Court Cases ( example alleged Bankruptcy ) : is a legal matter that may result in the discharge or reorganization of debts under federal law. Its part of a judicial process and doesnt reflect a direct credit agreement or consumer transaction. Credit Account is a financial agreement where a lender extends credit to a consumer, subject to repayment terms. This is directly tied to the borrowers financial behavior and is reported to credit bureaus by the creditor. Courts dont report to directly to credit bureaus, nor do they authorize third-party vendors to disseminate this information. The inclusion of alleged public records on credit reports is an overreach of credit bureau authority and introduces the potential for significant harm to consumers through misreporting, An alleged bankruptcy is a legal court case, and shouldnt be treated as a reportable financial obligation on a credit report. Its inclusion leads to inaccuracies, misinterpretation of a consumers financial behavior, and unnecessary harm to their creditworthiness. Credit bureaus have a responsibility under the FCRA to ensure that all reported information is accurate, complete, and directly tied to financial obligations-not merely public records like court cases. If an alleged bankruptcy cant be verified to meet these strict requirements, it should not remain on a credit report. 

The FCRA requires that credit reporting agencies verify the accuracy of any disputed information and remove items that can not be verified. I demand that : 1. You provide documented evidence from the original source ( the XXXX XXXX XXXX XXXX XXXX ) verifying the bankruptcy reporting. 
2. Immediately delete the inaccurate bankruptcy record if no verifiable documentation exists. 

Enclosed are the following documents for your review : A copy of my ID for verification purposes. A copy of the letter from the XXXX XXXX XXXX confirming they do not report to credit bureaus or XXXX. A copy of my credit report highlighting the disputed bankruptcy entry. 

I expect a thorough investigation to be completed and the inaccurate information removed within the legally allotted timeframe of 30 days. If you fail to resolve this matter appropriately, I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me in writing of your findings. 

i was also part of a data breach by XXXX as well as Experian

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