Consumer complaint received 2025-07-11 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: WI

Complaint narrative:
FINAL REQUEST FOR DELETION & INVESTIGATION DEMAND Includes : Bankruptcy Case # XXXX and XXXX XXXX XXXX XXXX XXXX CC : XXXX, Experian, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX CC : Experian XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX A XXXX Subject : FINAL DEMAND FOR DELETION Bankruptcy Case # XXXX and Child Support Ref # XXXX To Whom It May Concern : This correspondence serves as a final legal demand to immediately remove the following unverifiable and damaging records from my consumer reports and data-sharing channels : Bankruptcy Case # XXXX XXXX XXXX XXXX  # XXXX Your continued reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The response provided under CFPB Complaint # XXXX admitted XXXX  was the sole verification source used a blatant violation, as XXXX  is not a furnisher of information and can not lawfully verify or report data under the FCRA. 
The inclusion of XXXX XXXX XXXX XXXX  XXXX and its ongoing transmission to bureaus, without verified documentation from the original source, consent, or court order authorizing such sharing, is also in direct violation of your obligations under FCRA. 

These violations include but are not limited to : 1681i ( a ) ( 2 ) : Failure to verify directly with the original furnisher of information 607 ( b ) : Failure to follow reasonable procedures to ensure maximum accuracy 609 ( a ) ( 1 ) : Failure to provide clear disclosure of source and authority 1681i ( a ) ( 5 ) : Failure to delete information that can not be verified legally PACER and downstream databases are not valid sources of verification and do not qualify as original furnishers. You have failed to provide signed court documents, proof of jurisdiction, or a verifiable legal chain of custody tied to my identity. 

FORMAL REMEDY DEMANDED : I am demanding immediate action as follows : DELETE Bankruptcy Case # XXXX and XXXX XXXX XXXX  # XXXX from all databases and reports across all bureaus listed above. 
Cease and desist from any further sharing of these records. 
Provide a complete reinvestigation report including : Verification source Original furnisher contact info Proof of authorization Timeline and identity of reinvestigation agent ( s ) involved FAILURE TO COMPLY WITHIN 15 DAYS WILL RESULT IN : Escalation to the XXXX XXXX XXXX XXXX XXXX  ) for deceptive data practices Regulatory complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Consideration of civil legal action under FCRA 616 and 617 for willful and negligent noncompliance, resulting in financial and reputational damages I fully reserve my rights to pursue all available legal remedies, including litigation and regulatory sanctions, if the above records are not removed in a timely and verifiable manner. 
Ive tried multiple times to reach out to XXXX XXXX  and still was unable to get this matter resolved. 

Sincerely, XXXX 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