Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am filing this complaint against Experian for knowingly, recklessly, and willfully publishing inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection laws. Experian is currently reporting a XXXX  XXXX Bankruptcy, Reference # XXXX, allegedly filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

This reporting is false, unverifiable, and materially misleading because it is impossible for Experian to have lawfully verified this bankruptcy. 

The Court Notice Proof That Experian Can not Verify On XX/XX/XXXX, the U.S. Bankruptcy XXXX for the XXXX XXXX of Oklahoma issued an official notice, signed by Deputy Clerk XXXX XXXX, confirming : The Clerks Office is not a reporting agency for the credit bureaus. We do not actively report information to any of the credit reporting agencies. 
Our office does not control the actions of credit reporting agencies and their accessing or maintaining this information. 

This is clear, unambiguous evidence that the custodian of record for this bankruptcy does not report, furnish, or verify data to any credit bureau. Therefore, Experians representation that this bankruptcy has been verified is knowingly false and deceptive.

Violations of Federal Law 1. FCRA 1681e ( b ) Failure to Assure Maximum Accuracy Experian is legally required to maintain reasonable procedures to assure maximum possible accuracy. Reporting a bankruptcy as verified, when the court confirms it provides no verification, is a willful breach of this duty.

2. FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation I disputed this bankruptcy, and Experian responded by falsely claiming it had been verified. This is impossible. The courts notice proves that no such verification could have occurred. Experians so-called reinvestigation was therefore unreasonable and unlawful, in direct violation of 1681i ( a ).

3. FDCPA 1692e Misrepresentation of Legal Status By publishing this bankruptcy as active, accurate, and verified, Experian has misrepresented the legal status of my financial obligations, which the FDCPA prohibits. 4. Reliance on Unreliable Third-Party Vend
ors Experian has a history of relying on outside contractors such as XXXX or XXXX to scrape and compile public record data. These vendors are not official furnishers of information under the FCRA. Courts have repeatedly ruled that consumer reporting agencies can not outsource accuracy obligations to unreliable third-party vendors. See Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

5. Contradictions Across Bureaus XXXX  reports the same bankruptcy under Reference # XXXX with a discharge date of XX/XX/XXXX. 
Equifax reports it as Reference # XXXX, XXXX even listing a discharge date. 
Experian reports it as # XXXX with discharge XX/XX/XXXX. 
These discrepancies prove that none of the bureaus are relying on the actual source the bankruptcy court. Each bureau is reporting conflicting data from unreliable, unverifiable sources. 

Harm to Consumer Because of Experians reckless, false reporting of this bankruptcy, I have suffered : Credit denials for mortgage applications, auto loans, and personal credit lines. 
Artificially inflated interest rates, costing me thousands of dollars in finance charges. 
Housing denials, as landlords often rely on Experian reports in tenant screenings. 
Employment barriers, since some employers check Experian credit files during background checks. 
Emotional distress, reputational damage, and ongoing financial harm due to false labeling of me as bankrupt when the custodian of record itself denies furnishing this information. 

This is not a minor reporting error it is a catastrophic violation of my rights under the FCRA and FDCPA, with real, compounding damage to my life.

Legal Precedent Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must go beyond parroting unverifiable sources during disputes.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Reporting unverifiable data violates the FCRAs accuracy requirement.

Guimond v. Trans Union Credit Info. Co., 45 F.3d 1329 ( 9th Cir. 1995 ) : Consumers can recover for negligent and willful FCRA violations when inaccurate information is reported. 

XXXX actions fall squarely into these prohibited practices.

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