Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : FINAL DEMAND FOR REMOVAL OF BANKRUPTCY PUBLIC RECORD AND ASSOCIATED ACCOUNTS VIOLATION OF FCRA, UCC, BANKRUPTCY CODE, AND FEDERAL LAW To Whom It May Concern, This letter is a formal legal dispute and demand for the immediate deletion of the bankruptcy public record and all associated accounts currently reported on my Experian credit report under the name XXXX XXXX XXXX. These entries are being reported without valid, documented verification, and are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), the Bankruptcy Code, and the Federal Rules of Evidence.

BANKRUPTCY PUBLIC RECORD : U.S. Bankruptcy Court XXXX  IL Case # : XXXX ACCOUNTS REPORTED AS INCLUDED IN BANKRUPTCY DEMAND FOR REMOVAL : Creditor Account Number Status Balance XXXX XXXX XXXX XXXX  Included in Bankruptcy {$0.00} XXXX  XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX Included in Bankruptcy {$0.00} FEDERAL VIOLATIONS COMMITTED : FCRA 1681e ( b ) Obligation to ensure maximum possible accuracy FCRA 1681b ( a ) ( 2 ) Lack of documented permissible purpose to report these items FCRA 609 ( a ) ( 1 ) I demand copies of all documentation used to verify these accounts and the bankruptcy FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) You must disclose : The name, title, and contact information of the individual who verified each item The date, method, and source of verification UCC 3-501 & 1-308 I demand original legal obligations and reserve all rights without prejudice Federal Rule of Evidence 901 Data from PACER, XXXX, or other third parties must be properly authenticated Bankruptcy Code 524 ( a ) ( 2 ) Continued reporting of discharged debt violates the federal discharge injunction NO AUTOMATED RESPONSES HUMAN REVIEW ONLY This matter must be reviewed by a qualified human investigator, not processed through the e-Oscar automated dispute system. A generic letter stating verified is not lawful validation under the FCRA. It is not sufficient to continue reporting these entries without providing full proof. 

DOCUMENTATION DEMANDED : You are required to send the following within 15 calendar days of receipt of this letter : The actual bankruptcy court filing documents used to verify Case # XXXX Original signed contracts, billing statements, or documentation used to verify each tradeline The Method of Verification, including : Name, job title, and phone number of the person who verified the items The source, method, and date of your reinvestigation Failure to provide the above constitutes noncompliance with federal law and requires full deletion. 

DEADLINE 15 CALENDAR DAYS You have 15 calendar days to : Permanently delete Bankruptcy Case # XXXX Remove all related accounts listed above from my Experian credit file Send written confirmation along with all legally required documentation FAILURE TO COMPLY WILL RESULT IN : Complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Illinois Attorney Generals Office Immediate filing for binding arbitration through XXXX  A civil lawsuit seeking : Damages for willful and negligent noncompliance ( FCRA 616 & 617 ) Compensation for credit defamation, emotional distress, and financial harm Statutory and punitive damages This is your final legal notice. I expect complete compliance under federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : 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