Consumer complaint received 2025-05-28 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:
To : Consumer Financial Protection Bureau From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Park, NY XXXX XXXX : XXXX Date : XX/XX/XXXX Subject : Formal Complaint XXXX Experian XXXX XXXX XXXX XXXX Bankruptcy and XXXX Accounts ; Demand for Immediate Removal per FTC Affidavit SUMMARY OF COMPLAINT : This formal complaint is submitted against Experian for unlawful credit reporting and violation of my consumer rights under federal law. The violations include : Unauthorized reporting of a bankruptcy on my credit file without my consent, which violates privacy rights and due process ; Ongoing and unlawful reporting of XXXX XXXX XXXX XXXX  accounts as XXXX XXXX XXXX XXXX XXXX with misleading monthly updates ; Failure to comply with an attached FTC XXXX, which demands that these inaccurate or unverifiable accounts be deleted within XXXX ( XXXX ) calendar days. 

XXXX. BANKRUPTCY REPORTING WITHOUT CONSENT FCRA & PRIVACY VIOLATION Experian is displaying a bankruptcy entry on my credit report without my permission or lawful basis. Attached to this complaint is a signed letter from the XXXX Bankruptcy XXXX, confirming that the court does not report to Experian or any credit reporting agency, proving that the inclusion of this information was acquired without consumer consent or valid legal justification. 

This action violates : Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX Credit reporting agencies may only disclose consumer data with a permissible purpose ; Constitutional right to privacy ( Doe v. XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX ) ; XXXX process protections under XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX : In re XXXX, XXXX B.R. XXXX Found bankruptcy courts do not report to CRAs ; third-party sourcing often leads to FCRA violations. 

XXXX. ILLEGAL XXXX REPORTING XXXX XXXXXXXX & XXXX Experian is reporting old XXXX  XXXX and XXXX  accounts as XXXX XXXX and is falsely updating them monthly as new XXXX events, which is deceptive and in violation of : FCRA XXXX ( b ) Accuracy and fairness of consumer information ; IRS XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX debt is deemed income and not collectible, reportable, or re-derogatorized ; FTC guidance against repeated reporting of the same XXXX  event as a new XXXX item. 

XXXX XXXX : XXXX v. XXXX XXXX, XXXX XXXX XXXX XXXX re-aging and continuous XXXX reporting is misleading. 
XXXX v. TransUnion, XXXX XXXX XXXX Reinforces that misreporting XXXX XXXXccounts violates consumer protections under the FCRA. 

XXXX. FTC AFFIDAVIT MANDATORY DELETION WITHIN 4 DAYS Attached is an FTC Identity Theft Affidavit that clearly identifies the following items as disputed and demands their removal within XXXX ( XXXX ) calendar days in accordance with XXXX U.S.C. XXXX : The unauthorized bankruptcy entry ; The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA and FTC guidelines, credit reporting agencies that receive a valid dispute along with an identity theft affidavit must block and delete the information within XXXX business days. 

Failure to honor this demand is a willful violation of FCRA XXXX and XXXX, for which statutory, actual, and punitive damages will apply. 

XXXX. RELIEF REQUESTED : I respectfully demand that Experian : Permanently remove the unauthorized bankruptcy record ; Delete the XXXX XXXX XXXX XXXX XXXX accounts, including any ongoing monthly reporting ; Cease and desist all re-reporting or republishing of the disputed data ; Confirm removal in writing within XXXX business days. 

XXXX. ATTACHED DOCUMENTS : Letter from the XXXX Bankruptcy XXXX confirming it does not report to credit bureaus ; FTC Identity Theft Affidavit naming each disputed account ; Notarized dispute letter previously mailed to Experian, listing these disputed accounts in full ; Copy of my government-issued ID ; Last XXXX digits of my Social Security number ; Date of birth for identity verification purposes. 

CLOSING STATEMENT : XXXX continued and unauthorized reporting of these items violates federal law and consumer protections. I request immediate enforcement action by the CFPB and confirmation that these items are permanently removed from my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Park, NY XXXX 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