Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 et seq., to remove a dismissed bankruptcy that continues to be inaccurately and unlawfully reported on my credit file.

SUMMARY OF ISSUE : Your records reflect the following public record entry : Bankruptcy XXXX XXXX Dismissed Original Filing Date : XX/XX/XXXX Status Date : XXXX XXXX XXXX Court : U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX This record was dismissed and should not be reported as a valid bankruptcy under FCRA standards. Furthermore, this matter has been formally disputed on multiple occasions, and despite Experians legal obligations under 15 U.S.C. 1681i ( a ) ( 5 ), the dismissed bankruptcy continues to reappear on my reportwithout verification, without proper documentation, and in clear violation of federal law.

LEGAL VIOLATIONS : 1. FCRA 1681e ( b ) : Experian must maintain maximum possible accuracy. A dismissed bankruptcy is not a discharge and should not influence credit scoring or appear with derogatory weight.

2. FCRA 1681i ( a ) : Requires a full reinvestigation of disputed public records. If unverifiable or misleading, the item must be deleted.

3. FCRA 1681i ( a ) ( 5 ) ( C ) : Prohibits re-insertion of deleted items unless certified by the source and notice is given to the consumer within 5 days. Experian has failed to meet this burden. 
XXXX. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. 
XXXX ), the court held that inaccurate reporting of public recordsespecially without verification from original court sourcesviolated FCRAs reasonableness and accuracy requirements. 
DEMAND FOR RELIEF : In accordance with federal law, you are hereby demanded to take the following actions within four ( 4 ) calendar daysfrom the date of this letter : 1. Permanently delete the dismissed Chapter 13 bankruptcy ( Ref. No. XXXX ) from all versions of my credit file ; 2. Cease and desist from any future re-reporting or re-insertion unless full certification is received and consumer notice is provided as required by 1681i ( a ) ( 5 ) ( B ) ( C ) ; 3. Provide written documentation of your source of reporting, method of verification, and reinvestigation file details used for each prior dispute.

Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, State Attorney General, and all appropriate legal remedies pursued under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

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