Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a bankruptcy on my credit reports by Experian. Despite submitting two previous disputes Experian has failed to verify the bankruptcy record with the original source as required by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). This failure to comply with federal statutes has caused harm to my credit profile and financial well-being. 
Bankruptcy information : XXXX XXXX XXXX XXXX FL Account Number : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) 1. FCRA 1681e ( b ) : Failure to Ensure Maximum Accuracy CRAs are required to ensure maximum possible accuracy in the information they report. Relying solely on third-party vendors such as XXXX or PACER, instead of confirming the bankruptcy directly with the original creditor, constitutes a failure to meet this obligation. Furthermore, the third-party vendor and Experian have failed to provide adequate information about the method used to verify this bankruptcy, how they ensure the information is correct, and how they contact the original creditor. 
2. FCRA 1681i : Duty to Reinvestigate Disputed Information Under this provision, CRAs must conduct a reasonable reinvestigation of disputed information within 30 days. Experian has failed to provide evidence of a thorough reinvestigation or to verify the disputed bankruptcy with primary sources.

3. FCRA 1681s-2 : Responsibilities of Furnishers of Information Entities reporting public records like bankruptcies must ensure the accuracy and verifiability of the information. By failing to provide accurate or verifiable data, this CRA and furnishers are in violation of this section.

4. FCRA 1681i ( a ) ( 5 ) : Prompt Deletion of Unverified Information When disputed information can not be verified correctly, CRAs are required to delete it promptly. Despite their inability to confirm the bankruptcy directly with the original creditor, Experian failed to remove the inaccurate information.

5. FCRA 1681c ( c ) : Reporting of Bankruptcies Within Statutory Timeframes Bankruptcy records must be reported accurately and within the prescribed timeframe. Failure to verify the record affects compliance with this section.

Violations of the Truth in Lending Act ( TILA ) 1. TILA 1601 et seq. : Accuracy and Integrity in Reporting Under TILA, there is an obligation to ensure accurate and fair reporting of credit-related information. Reporting unverified and inaccurate bankruptcy data violates the principles of accuracy and integrity mandated by TILA.

Impact on Me as a Consumer : The CRA failure to verify and correct inaccurate information has negatively impacted my credit score, resulting in financial hardship. This has affected my ability to secure credit at favorable terms, and it has caused undue stress and reputational harm.

I also want to let Experian knows that : I AM ACTING SOLELY ON MY OWN BEHALF IN THIS MATTER, AND AM NOT USING THE SERVICES OF ANY CREDIT REPAIR ORGANIZATION OR A THIRD PARTY TO HANDLE THIS DISPUTE.

ALL THE CORRESPONDENCE AND SUBMISSIONS RELATED TO THIS DISPUTE HAVE BEEN PREPARED AND SENT BY ME PERSONALLY. AS SUCH, I KINDLY REQUEST THAT YOU REFRAIN FROM SENDING ME GENERIC OR AUTOMATED RESPONSES. 
I have attached the previous disputes, the require documentation to verify my identity, including driver license, social security card and a utility bill to confirm my residence address. 
Thanks for your attention to this matter.

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