Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
DISPUTE LETTER FALSE BANKRUPTCY REPORTING ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Washington XXXX DC XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE FALSE AND UNVERIFIED BANKRUPTCY REPORTING Account : XXXX XXXX XXXX XXXX XXXX  XXXX Account No. : XXXX Status being falsely reported : Discharged Through Bankruptcy XXXX XXXX  Date of Status : XX/XX/XXXX This letter serves as a legal demand for immediate deletion of the above account because Experian is reporting a bankruptcy disposition that does not exist, was never filed, never included, and has no matching court record.

Your system shows : Discharged Through Bankruptcy XXXX  XXXX Never Late while simultaneously showing normal payment history and no public record of bankruptcy. This is false, defamatory, damaging, and illegal.

LEGAL NOTICE OF VIOLATIONS 1. FCRA 602 ( A ) Accuracy is a foundational requirement.

You are reporting false bankruptcy information, which constitutes defamation and negligent reporting.

2. FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct a reasonable investigation.

You updated this account during my dispute in XX/XX/XXXX, yet still failed to verify the alleged bankruptcy with the courtwhich is required under federal law. 

3. FCRA 611 ( a ) ( 5 ) ( A ) Information must be deleted if unverifiable.

There is no court record, no docket number, no filing date, no discharge order.

Therefore the bankruptcy disposition can not be verified.

4. FCRA 607 ( b ) Required to maintain maximum possible accuracy.

Reporting a bankruptcy that does not exist is a blatant violation.

5. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information they know or should know is inaccurate. 

XXXX XXXX XXXX XXXX XXXX is furnishing a fraudulent status. 

6. Fair Credit Billing Act ( FCBA ) False reporting of an account as bankruptcy-related without evidence is a form of fraudulent billing notation.

7. 18 U.S.C. 1001 Knowingly reporting false information to a federal system ( credit reporting infrastructure ) constitutes federal false-statement misconduct.

FORMAL DEMAND You are ordered to : 1. DELETE this XXXX XXXX XXXX XXXXXXXX account immediately, or 2. Correct the status to remove all bankruptcy-related language, including : Discharged Through Bankruptcy Bankruptcy XXXX XXXX Any bankruptcy coding or classification 3. Provide written confirmation of the deletion or correction.

If you do not comply within 15 days, I will proceed with : A complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to the Federal Trade Commission ( FTC ) A formal demand for statutory damages under FCRA 616 and 617 Consideration of civil litigation for defamation and negligent reporting.

CERTIFICATION I certify that : No bankruptcy filing exists.

This account was never included in any bankruptcy.

Your reporting is false and unlawful. 

Failure to immediately delete or fix this account will be treated as willful noncompliance under FCRA 616. 

Sincerely, XXXX 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