Consumer complaint received 2025-02-07 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: IL

Complaint narrative:
I am formally disputing the inaccurate reporting of a XXXX XXXX XXXX on my Experian credit file. This information is incorrect, unverifiable, and improperly listed, violating the Fair Credit Reporting Act ( FCRA ). 
Disputed Information : Case Number : XXXX Court Reporting the Case : XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) Report Number : XXXX Date Generated : XX/XX/2025 Experians Invalid Verification & Additional Evidence : I previously disputed this bankruptcy under Experian Report Number XXXX, and Experian claimed verification using the following source : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, this verification is fraudulent because : XXXX. Federal courts do not report consumer bankruptcies to credit bureaus. XXXX XXXX XXXX XXXX does not disclose consumer information to Experian, XXXX, or XXXX, making this an invalid data source under the FCRA. 
XXXX. Cross-referencing Case # XXXX on PACER shows no bankruptcy filing under my name. Since Experian has no court-verified evidence to support this bankruptcy claim, the listing is factually inaccurate and must be removed immediately. 
XXXX. XXXX does not contain a bankruptcy record for me. If Experian is relying on third-party vendors like XXXX instead of official court verification, it is violating FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates the accuracy of consumer data. 
XXXX. This constitutes willful negligence under the FCRA. Reporting a nonexistent bankruptcy despite my prior dispute and PACER verification is a blatant violation of FCRA 1681n, exposing Experian to legal liability. 
CFPB Lawsuit Confirms Experians Failure to Properly Investigate Disputes Additionally, the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for unlawfully failing to properly investigate consumer disputes, violating FCRA provisions. The CFPB alleges that Experian routinely conducts sham investigations, fails to properly intake and process disputes, and uncritically accepts incorrect responses from furnishers, even when the information is clearly incorrect or illogical. 
This means that my XXXX XXXX  dispute is likely part of Experians ongoing pattern of negligence, which is already under investigation by the federal government. This further strengthens my claim that Experian has failed to conduct a legally compliant reinvestigation of my dispute, as required by FCRA 1681i ( a ) ( 1 ). 
Demand for Resolution : Immediately delete the inaccurate Chapter XXXX bankruptcy ( Case # XXXX ) from my Experian credit file. 
Provide written confirmation of this deletion within the XXXX XXXX dispute resolution period. 
If Experian fails to comply, I will escalate this dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office and will pursue legal action for willful negligence under FCRA 1681n. 
I expect a written response confirming the resolution of this dispute. 
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