Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Phone : XXXX Subject : DEMAND for Immediate Removal of Fraudulent Bankruptcy and Unauthorized Data Sharing Violations of Federal Consumer Laws Complaint Details : This is a formal demand for the immediate removal of fraudulent bankruptcy reporting, public records, and any unauthorized personal and private information from my credit reports. The reporting of this information is a clear violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and Federal Trade Commission ( FTC ) consumer protection laws. 

1. Fraudulent Bankruptcy Reporting Violation of Consumer Rights I never consented to the reporting of bankruptcy on my credit report, and such reporting is fraudulent, deceptive, and violates multiple federal laws. 

Attached is an official letter from the Bankruptcy Court, confirming that the court does not report bankruptcy filings to credit bureaus, agencies, or third-party entities.

This proves that the credit bureaus have obtained and reported this information illegally, in violation of FCRA ( 15 U.S.C. 1681b ), which prohibits the collection and distribution of personal data without consent.

I am also submitting an FTC Affidavit as evidence of fraudulent reporting of a bankruptcy that was either fabricated or obtained through illegal data-sharing practices.

2. Unauthorized Sharing of My Private and Personal Information XXXX and other third-party data brokers have unlawfully collected, stored, and transmitted my personal information without my express permission. 

XXXX confirms that public records, including bankruptcies, are obtained through XXXX, a third-party vendor, not directly from the courts. 
XXXX has no permissible purpose under the FCRA to collect or distribute my private information, and I have never given consent for such data collection. 
Attached is a XXXX XXXX XXXX Consumer Disclosure, proving that XXXX supplies unauthorized data, including public records, to Experian, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Resolution Demanded : To resolve this matter, I demand the following immediate actions : Permanent removal of all public record data, including fraudulent bankruptcy notations, from my credit reports due to violations of FCRA, GLBA, and consumer privacy laws. 
Immediate deletion of any personal and private information obtained through XXXX or other unauthorized third-party sources. 
A formal written confirmation from all credit reporting agencies and XXXX confirming that my information has been permanently removed and that no future unauthorized data collection will occur. 
Compensation for financial harm, defamation, and emotional distress caused by this fraudulent reporting, as permitted under FCRA ( 15 U.S.C. 1681n ), which allows for statutory, actual, and punitive damages for willful violations. 
Final Warning and Legal Action Failure to comply immediately will result in escalated legal action against all responsible parties. I am prepared to file additional complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), the IRS, and state Attorney General offices for : Fraudulent bankruptcy reporting Unauthorized data collection and sharing Violation of federal privacy laws Defamation of character due to false and misleading reporting Financial and emotional damages caused by these violations This matter requires urgent and immediate correction. I expect a full response and resolution within 15 days. 

Attached Evidence : XXXX XXXX XXXX Consumer Disclosure Proof of Unauthorized Data Sharing FTC Affidavit Proof of Fraudulent Bankruptcy Reporting Official Bankruptcy Court Letter Stating the Court Does Not Report to Credit Bureaus or Third Parties 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