Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) PO.BOX XXXX XXXX, IA XXXX Subject : THIS COMPLAINT IS FOR ( Experian IS VIOLANTING MY RIGHT ) Rep # : XXXX, Follow-Up Dispute on Bankruptcy Record Verification - Failure to Comply with FCRA and this is the XXXX than show the violation Totally all law written to FCRA, XXXX AND XXXX Dear XXXX, I am writing to address your recent response regarding the bankruptcy record on my credit report, which you stated has been verified. I must express my concerns that your verification process does not comply with several legal requirements under the Fair Credit Reporting Act ( FCRA ) and other related codes. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within XXXX days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Legal Concerns : XXXX XXXX. XXXX ( XXXX ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 

XXXX XXXX. XXXX ( XXXX ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record. 

XXXX XXXX. XXXX ( a ) ( XXXX ) - Proof of XXXX : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. 

Title XXXX, XXXX XXXX- XXXX XXXX Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws. 

Public Law XXXX, XXXX VI, Section XXXX, Subsections A-D : This law stipulates the procedures for the removal of inaccurate or incomplete information from credit reports. Your response and verification process did not comply with these provisions, necessitating the removal of the bankruptcy record. 

XXXX XXXX. XXXX ( XXXX ) - Description of XXXX : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within XXXX  days of receiving a consumer 's dispute. To date, I have not received this required information. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) - XXXX XXXX : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( XXXX ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Action Required : The details of the bankruptcy record in question are : Bankruptcy Account Number : XXXX DATE FILED : XX/XX/year> DELETE BANKRUPTCY AND EVERYTHING ACCOUNT INCLUDED UNDER BANKRUPCTY OR I request a detailed explanation of the verification process used, including specific documentation and proof that complies with the requirements set forth by the FCRA and related statutes. If adequate proof is not provided within XXXX days, I will be compelled to file a complaint with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please address these issues promptly and provide a detailed response within the timeframe required by law. If necessary, I am prepared to escalate this matter to regulatory agencies for further review. 
Thank you for your prompt attention to this matter. I look forward to your response.

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