Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

I am writing to formally request the permanent deletion of a bankruptcy entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) sections 623 ( a ) ( 5 ), FCRA Privacy law, and FCRA section 609 ( a ) ( 1 ) ( a ). Upon reviewing my credit report, I have identified a bankruptcy entry that I believe is inaccurate and unfairly impacting my creditworthiness.

I assert that the reporting of this bankruptcy entry violates my rights under the FCRA for the following reasons : 1. FCRA 623 ( a ) ( 5 ) : This section of the FCRA mandates that consumer reporting agencies must block the reporting of any information resulting from identity theft or fraud. I have reason to believe that the bankruptcy entry on my credit report is a result of identity theft or fraud, as I have never filed for bankruptcy.

2. FCRA Privacy Law : The FCRA protects consumers ' privacy rights by ensuring the accuracy and fairness of information reported by consumer reporting agencies. The inclusion of a bankruptcy entry that is not legitimately associated with my identity constitutes a violation of my privacy rights under the FCRA.

3. FCRA Section 609 ( a ) ( 1 ) ( a ) : This section of the FCRA grants consumers the right to request the deletion of inaccurate or incomplete information from their credit reports. As the bankruptcy entry is inaccurate and does not pertain to me, I am exercising my right under this provision to request its permanent deletion from my credit report.

I demand that you conduct a thorough investigation into the legitimacy of the bankruptcy entry and permanently delete it from my credit report within 30 days of receipt of this letter. Failure to comply with this request will result in further legal action to enforce my rights under the FCRA.

Please provide me with written confirmation once the bankruptcy entry has been permanently deleted from my credit report.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX Bankruptcy Type : XXXX  XXXX - Case Number : XXXX - Date Filed : XX/XX/XXXX - Discharge Date : unknown XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX  XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, 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