Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my Experian credit report concerning a bankruptcy entry that is both factually incorrect and violative of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am also filing this complaint due to Experians refusal to identify the data furnisher or substantiate the source of this derogatory information upon my prior requests.

My Experian credit file lists a bankruptcy that is inaccurate, outdated, and/or misreported. After a diligent review of my financial records and confirmation with the U.S. Bankruptcy Court, I confirm that either : I never filed for bankruptcy ; Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation of this disputed item, delete or correct
any inaccurate information, and provide me with written confirmation of your findings within the statutorily required 30-day period.

Experian 's Refusal to Disclose Data Furnisher : When I previously contacted Experian to obtain the name, address, and contact information of the furnisher of this bankruptcy information, Experian failed or refused to provide these details. This is a direct violation of 15 U.S.C. 1681g ( a ) ( 2 ), which requires consumer reporting agencies to clearly disclose the sources of the information contained in a consumers file.

Experians refusal impedes my ability to contact the furnisher, challenge the entry directly, or seek correction at the source. This failure undermines the integrity of the dispute process and violates my due process rights under the FCRA.

The FCRA obligates CRAs to conduct reasonable investigations when a dispute is filed. 

Courts have held that simply verifying with a public record vendor does not satisfy this requirement. In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ), the XXXX XXXX affirmed that a CRA must go beyond parroting the furnishers claim. 

In Thomas v. TransUnion, LLC, No. 3:18-CV-01729 ( M.D. TennXXXX XXXX. XXXX, XXXX ), the court held that reliance solely on third-party vendors like XXXX without further verification is inadequate under the FCRA.

In Taylor v. Tenant Tracker , Inc., 710 F.3d 824 ( 8th Cir. XXXX ), the court reiterated that consumer reporting agencies may be liable under 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy.

I demand that Experian : Immediately delete or correct the inaccurate bankruptcy entry on my credit report ; Disclose the name and contact details of the data furnisher/source of the bankruptcy information under 1681g ( a ) ( 2 ) ; Provide a written explanation of your investigation procedures, including the name of any third-party public record vendors consulted ; Confirm in writing within 30 days that you have complied with your obligations under 1681.

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