Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS VIOLATION OF FCRA, UCC, BANKRUPTCY CODE, AND EVIDENTIARY LAW METHOD OF VERIFICATION REQUIRED To Whom It May Concern, This letter is a formal legal demand for the immediate deletion of the bankruptcy public record and all associated accounts currently appearing on my Experian credit report under my name, XXXX XXXX. These items are being reported without proper legal verification and are in direct violation of the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), Federal Rules of Evidence, and the Bankruptcy Code. 

BANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court Case # : XXXX ACCOUNTS BEING REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR DELETION : Creditor Account Number Status Balance XXXX  XXXX Collection {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXXXXXX Included in Bankruptcy {$0.00} XXXX XXXXXXXX Included in Bankruptcy {$0.00} VIOLATIONS COMMITTED : FCRA 1681e ( b ) Duty to maintain maximum possible accuracy FCRA 1681b ( a ) ( 2 ) No documented permissible purpose for continued reporting FCRA 609 ( a ) ( 1 ) I demand access to all documentation used to verify both the bankruptcy and the listed accounts FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : Name, title, and contact of the person who verified these accounts The date, method, and source used to verify each item UCC 3-501 & 1-308 I demand original legal obligations and reserve all rights Federal Rule of Evidence 901 PACER, XXXX, and third-party data must be properly authenticated Bankruptcy Code 524 ( a ) ( 2 ) Reporting discharged debts violates the permanent discharge injunction NO AUTOMATED RESPONSES NO E-OSCAR This matter must be investigated by a qualified human agent, not an automated e-Oscar system. A form letter stating an item has been " verified '' without proof is not validation under the FCRA and will not be accepted. 

DOCUMENTATION DEMANDED : You must provide the following for both the bankruptcy record and each account : The actual bankruptcy court filing ( Schedule A/B, F, or creditor matrix listing ) Original signed agreements or contracts, billing history, and any account-level legal documentation The name, job title, and contact info of the individual who verified the data The method, source, and date of your verification process If you can not provide this documentation in full, you are required by law to remove the bankruptcy public record and all associated tradelines immediately. 

DEADLINE 15 CALENDAR DAYS You have 15 calendar days from receipt of this notice to : Delete Bankruptcy Case # XXXX from my credit report Remove all associated accounts listed above Provide written confirmation and certified copies of all verification materials FAILURE TO COMPLY : Failure to comply will result in : Immediate complaints filed with the CFPB, FTC, and Illinois Attorney Generals Office Initiation of binding arbitration through XXXX  A civil lawsuit seeking : Damages for willful and negligent noncompliance ( FCRA 616 & 617 ) Compensation for credit defamation, emotional distress, and financial harm Statutory and punitive damages to the full extent of the law This is your final legal notice. Either comply fully, or prepare for legal escalation. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : 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