Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX Case Number : XXXX Please be advised that the court does not send information to any websites internet search engines or credit reporting agencies instead credit reporting agencies and other information providers collect information regarding bankruptcy cases from the court 's public records. Once a case is filed with the bankruptcy court that case becomes part of the court 's permanent records. Regardless of the status of your case ( open closed discharged dismissed etc. ) the credit reporting agencies can still report your case on your credit report for up to ten years. If you believe there is an error on the web or in your credit report you must resolve that with the website or reporting agency directly. This is a clear violation of FCRA 15 U.S.C. 1681-1681x. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft.

2. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

4. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

5. violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

6. violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

10. violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and delete these items from my credit report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Please remove any information that the creditor is unable to verify. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. As mandated by the act, there should be no charge for this updated report. A
dditionally, I kindly request that you notify any recipients who have received my credit report in the past six months of any necessary corrections. 
Thank you for your time and assistance in resolving 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