Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
Legal Department Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Re : Cease and Desist Demand for Unverifiable Bankruptcy Information on My Credit Report To Whom It May Concern, I am writing to demand that you immediately cease and desist from reporting inaccurate and unverifiable bankruptcy information on my credit report. Despite my previous efforts to resolve this matter, including a formal dispute, the bankruptcy listing remains on my file, and I have yet to receive the requested documentation proving the accuracy and verifiability of this entry.

As you are well aware, under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you are required to ensure that any information reported on a consumers credit report is both accurate and verifiable. I have thoroughly investigated the situation and have been informed by a court clerk that no third-party vendors or credit bureaus verify such information directly with the court. This strongly suggests that the bankruptcy entry on my credit report is not based on any legitimate, verified source.

I requested proof of verification of this information, but you have failed to provide any such documentation. Based on my research and the information provided to me, I believe this entry is inaccurate and unverifiable, and therefore it must be removed from my credit report immediately.

I request that you remove this erroneous entry from my credit report within 15 days of the date of this letter. If you fail to resolve this matter promptly, I will pursue legal action for violations of the FCRA, including negligent reporting under Section 1681e ( b ), Section 1681i ( failure to conduct a reasonable investigation ), and Section 1681n ( willful noncompliance ), which could entitle me to actual damages ( including emotional distress ), statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees.

I also intend to seek compensation for the significant emotional distress this issue has caused me, particularly given my ongoing battle with XXXX. I have been subjected to unnecessary stress and XXXX  as a result of Experians failure to properly investigate and verify this information. The continued presence of this inaccurate information is further exacerbating my mental health struggles. 

However, before pursuing litigation, I am open to negotiating a settlement to resolve this matter amicably and avoid the costs and burdens of a lawsuit. I encourage you to contact me directly at XXXX to discuss a potential settlement or a reasonable resolution. 

If you do not act promptly to remove the inaccurate information, I will have no choice but to initiate legal proceedings, including filing a lawsuit to recover damages, as allowed under the FCRA. 

Please respond within 15 days of the date of this letter to confirm your intentions regarding the removal of this disputed bankruptcy entry and your willingness to engage in settlement discussions.

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