Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX CT XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Request for Removal of Inaccurate Bankruptcy Information Dear Sir/Madam, I am writing to dispute the inaccurate bankruptcy information that appears on my credit report. Upon review of my credit file, I have identified a bankruptcy entry that is incorrect, and I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and possibly state-specific consumer protection laws. 

The bankruptcy listed on my report appears to be either outdated, erroneously reported, or completely inaccurate based on my records. As you are aware, under the FCRA, information that is inaccurate, incomplete, or unverifiable must be removed from my credit report. Specifically, I am requesting that you investigate the following : Incorrect XXXX  Filing Date : The XXXX  listed may not reflect the correct filing date or may be reporting a case that was XXXX  but is still appearing as XXXX. 
Duplicate or Misreported Information : It is possible that a different individual 's bankruptcy information was mistakenly reported under my name. 
Lack of Documentation or Verification : If the XXXX  claim is not substantiated with proper documentation or is otherwise unverifiable, it should be removed immediately. 
Please consider this letter as a formal dispute and request for investigation under the Fair Credit Reporting Act. According to 15 U.S.C. 1681i ( a ) ( 1 ), you are required to investigate my dispute and resolve it within 30 days of receiving this letter. If the information can not be verified or substantiated, you are legally obligated to delete it from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Additionally, I request that you provide a copy of any documentation or evidence supporting the bankruptcy entry, including court records, that were used to report this bankruptcy to the credit bureaus. Should you be unable to provide this, the entry must be removed from my credit file immediately. 

If this inaccurate bankruptcy listing is not corrected or removed within the required XXXX period, I will consider filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and the [ State Attorney Generals Office or State-specific regulatory body ], as my rights under both federal and state law are being violated. In some states, consumers are entitled to pursue damages for violations of credit reporting laws, and I am prepared to take all necessary actions to enforce my rights. 

Please respond promptly to confirm receipt of this letter and provide me with an update on the status of your investigation. If further documentation is required, I will be happy to cooperate to resolve this matter. 

I look forward to your timely and favorable response. 

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