Consumer complaint received 2025-01-13 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: DE

Complaint narrative:
Prior Cfpb Complaint related to matters today. XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX XXXX : Formal Complaint Against Experians for Non-Compliance with the FCRA Dear CFPB, I am writing to file a formal complaint against Experian for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting a bankruptcy on my credit report. Despite providing certified documentation proving the inaccuracy of this information, Experian has failed to take appropriate corrective action. The details of my complaint are as follows : Reference Details : Reference Number : XXXX Public Record : US Bankruptcy XXXX Case XXXX : XXXX Summary of the Dispute : I, XXXX XXXX XXXX contacted the U.S. Bankruptcy Court in XXXX and received certified documentation verifying that the court does not share bankruptcy information with third-party agencies, including Experian. This documentation, which clearly demonstrates that the information on my credit report is inaccurate, was sent to Experian via certified mail and was confirmed as received. Despite this, Experians has continued to report the bankruptcy and has responded to my dispute with the following statement : " Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported.. '' Experians response fails to provide clarity on how they verified the information, particularly given the certified proof I provided that refutes their claim. This raises serious concerns about the validity of their verification process and their compliance with FCRA requirements. Impact of Experians Inaccuracy : experians failure to correct this error has caused significant harm to my financial standing and personal well-being. The ongoing presence of this inaccurate bankruptcy record on my credit report has resulted in : Denials of credit applications Increased borrowing costs Damage to my financial reputation Attempts to Resolve : I have made three formal attempts to resolve this matter directly with Experian. Each time, I have provided certified documentation from the U.S. Bankruptcy Court in XXXX, yet Experian has failed to take appropriate corrective action. Request for Assistance : I respectfully request the CFPBs intervention to address Experian non-compliance and ensure they : Provide a detailed explanation of how they verified the bankruptcy information in question. Remove the inaccurate bankruptcy information from my credit report. Implement measures to prevent similar inaccuracies and verification failures in the future. Experians refusal to address this issue despite clear evidence of their error demonstrates a disregard for their obligations under the FCRA. I trust that the CFPB will hold Experian accountable for its failure to maintain accurate and complete information on consumer credit reports. Thank you for your attention to this matter. I am confident that with your assistance, this issue can be resolved promptly. Please feel free to contact me if you require additional documentation or have any questions. Sincerely, XXXX 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