Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX, Maryland [ XXXX ] XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Immediate Correction of Bankruptcy Reporting under USC and Privacy Act Violations** Dear Experian, XXXX, and XXXX, I am writing to formally request an immediate investigation and correction regarding the inaccurate and inconsistent reporting of a bankruptcy on my credit file. Currently, XXXX and Experian are reporting a bankruptcy, while XXXX does not have any record of it. This discrepancy violates multiple provisions of federal law and causes significant harm to my credit profile and financial reputation.

The following United States Code sections and federal laws support my right to have this erroneous information removed : 1. 15 U.S.C. 1681e ( b ) Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information in credit reports. The inconsistent reporting of a bankruptcy among your bureaus is a clear violation of this requirement.

2. 15 U.S.C. 1681c ( a ) ( 1 ) This section states that any information included in a credit report must meet strict conditions, and inaccurate or unauthorized records should not be reported. I have documentation from the bankruptcy court confirming that no report was ever made to any credit bureau, making the current reporting by XXXX and Experian unauthorized and inaccurate. 
3. 15 U.S.C. 1681i ( a ) This section grants consumers the right to dispute inaccuracies on their credit reports and requires credit reporting agencies to conduct a reasonable reinvestigation of any disputed information. I am formally disputing the reporting of this bankruptcy and demand that XXXX and Experian immediately reinvestigate and remove it from my report.

4. 15 U.S.C. 1681n and 15 U.S.C. 1681o These sections specify the penalties for willful or negligent noncompliance with the FCRA. If these inaccuracies remain on my reports despite my dispute and evidence, I reserve the right to pursue remedies under these sections.

5. Privacy Act of 1974 The unauthorized reporting of a bankruptcy that was not submitted by the bankruptcy court also constitutes a violation of the Privacy Act of 1974 [ 5 U.S.C. 552a ], which regulates the handling of personal information by federal agencies. By sharing or maintaining false information without proper authorization, you are infringing on my right to privacy under federal law. The existence of this bankruptcy entry without proper authorization is a breach of my privacy and constitutes unlawful handling of my personal data.

In light of these statutory protections, I demand that you : 1. Conduct an immediate investigation into the unauthorized reporting of this bankruptcy on my XXXX and Experian reports. 
XXXX. Remove any bankruptcy information from both XXXX and Experian to ensure accurate, consistent reporting across all three bureaus.

3. Provide me with a written confirmation of the deletion and a corrected copy of my credit report.

4. Provide me with financial compensation in the amount {$1000.00} for the negligence of knowingly and willfully reporting inaccurate information on my Credit File, Per 15 USC 1681n and 15 USC 1681o.

The check can be sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ XXXX ] I have attached documentation from the bankruptcy court validating that no report was submitted to any credit bureau. This evidence demonstrates the unauthorized and inaccurate nature of the current reporting by XXXX and Experian. 

These inaccuracies need to removed immediately. Should these inaccuracies persist, I reserve the right to seek remedies under the aforementioned sections of the USC and the Privacy Act of 1974 for any extra damages that may have incurred.

Thank you for your prompt attention to this matter. Please contact me in writing at the address above or via email at [ Your Email Address ] should you require additional information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland [ 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