Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
b'Subject: Formal Response Regarding Experians Failure to Validate Bankruptcy Data  Investigation Period Exceeded\n\nDear CFPB Case Review Officer,\n\nI am writing regarding Complaint ID XXXX submitted on XXXX XXXX XXXX, concerning Experians handling of inaccurate bankruptcy information on my credit report. Despite Experian being notified and a certified letter delivered and tracked (see XXXX  confirmations), their investigation has failed to meet the requirements outlined in the Fair Credit Reporting Act (FCRA), specifically within the XXXX-day timeframe. Their request that I provide documentationdespite their inability to verify the recordfurther violates consumer protection principles.\n\n1. Experians Responsibility Under the FCRA\n\nExperian is not a government entity and does not have the legal authority to interpret the Fair Credit Reporting Act (FCRA) independently. Their obligation under the law is to:\n\nInitiate and complete an investigation into any disputed item within XXXX  days, and not to exceed XXXX  days if additional documentation is provided.\n\nRemove or correct any information that cannot be verified.\n\nProvide notification of the results of their investigation to the consumer in writing.\n\nExperians response not only exceeds the lawful investigation period, but it shifts the burden of proof to me as a consumer, which contravenes the intent and letter of the FCRA.\n\n2. How Experians Conduct Has Caused Harm\n\nIn the past XXXX  days, Experians refusal to remove unverifiable bankruptcy information has:\n\nDamaged my credit profile, impacting my access to essential financial tools and services.\n\nCaused reputational harm in financial and professional settings.\n\nCreated economic disadvantage during loan and account approvals, including higher interest rates and unfavourable credit terms.\n\nDespite clear and repeated requests, Experian has failed to provide any court documentation or verified source of reporting, while XXXX  and XXXX  have not requested such documentation from me and are still conducting their review in good faith.\n\n3. My Role and Action as a Consumer\n\nAs a responsible consumer, I have:\n\nSubmitted proper written disputes via certified mail (tracking numbers: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \n\nUS Postal Service Certified Con\n\n.\n\nRequested that Experian provide original documentation or court records supporting the bankruptcy entry.\n\nFollowed all guidelines and timeframes expected of me under the FCRA.\n\nProvided multiple forms of written communication, including the notice that bankruptcy courts do not report directly to credit bureaus, nor do they validate any third-party distribution of such records.\n\n4. The Role of the CFPB Now\n\nGiven that the XXXX-day window has now expired with no legally compliant resolution or verification from Experian:\n\nI request immediate enforcement action requiring Experian to remove the inaccurate bankruptcy record.\n\nI ask the CFPB to initiate further investigation into Experians practice of requiring consumer-submitted court documents without first validating the record themselves.\n\nI respectfully request written documentation of this complaints findings, including whether Experian has violated FCRA provisions in this case.'

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