Consumer complaint received 2025-09-11 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: PR

Complaint narrative:
I am submitting this formal complaint against Experian for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to its inaccurate and unverifiable reporting of a bankruptcy on my credit file. 
On XX/XX/XXXX, I mailed a properly documented dispute to Experian. This submission included copies of my government-issued identification, Social Security card , and a recent utility bill to verify my identity. In that dispute, I specifically challenged the reporting of an alleged bankruptcy and requested a lawful reinvestigation. 
In my correspondence, I requested : The name of the entity certifying the accuracy of the bankruptcy reporting. 
The documents and evidence relied upon to validate the reporting. 
The complete contact information of the certifying entity, including address and phone number. 

Despite this lawful and properly supported dispute, Experian responded on XX/XX/XXXX, claiming that my request did not appear to have been sent by me and refusing to act. This refusal is unjustified and a direct violation of 15 U.S.C. 1681i, which requires Experian to conduct a reasonable reinvestigation of disputed information. 
Disputed Item and Supporting Evidence Experian Reporting : Bankruptcy XXXX  XXXX Dismissed Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Date Settled : XX/XX/XXXX Liability Amount : Unknown Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Record ( Official Case File ) : Case No. : XXXX Case Type : Chapter XXXX Bankruptcy Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX Terminated : XX/XX/XXXX Debtor Disposition : Dismissed for Other Reason Debtor : XXXX XXXX XXXX XXXX Inaccuracies Between PACER and Experian : Case Status & Terminology PACER confirms the bankruptcy case was dismissed in its entirety, with the case terminated on XX/XX/XXXX. Experian continues to report Bankruptcy XXXX XXXX dismissed without reflecting the full termination status, leaving the reporting incomplete and misleading. 
Settlement Date Experian lists XX/XX/XXXX as the Date Settled, but PACER indicates the case was not fully closed until XX/XX/XXXX. This discrepancy shows Experian is not relying on accurate court documentation.

Liability Amount Experian reports the liability as Unknown, which demonstrates unverifiable reporting. PACER records provide no liability amount, meaning Experian is maintaining information it can not validate.

Other Credit Bureau Comparison XXXX does not report this bankruptcy at all, underscoring that Experians reporting is both inconsistent and unverifiable.

Experians refusal to reinvestigate and its continued reporting of inaccurate and incomplete bankruptcy information have caused : 1. Damage to my creditworthiness and credit score. 2. Loss of financial and credit opportunities.

3. Emotional distress resulting from the ongoing misreporting of a dismissed bankruptcy.

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