Consumer complaint received 2024-12-09 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: LA

Complaint narrative:
I am writing THIS COMPLAINT FOR XXXX the bankruptcy record and all associated accounts on my credit report despite previous disputes and verification attempts, I SEND THE LETTER XXXX XX/XX/2024, and you fail the investigation AFTER I SEND THE LETTER XXXX ( DATE TO THE XXXX ) and The verification provided by your agency has failed to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). This letter serves as a final warning for the immediate removal of all accounts related to this bankruptcy record, INCLUDED THE BANKRUPTY ACCOUNT XXXX. 

*Reasons for Removal : * XXXX. *Violation of the Fair Credit Reporting Act ( FCRA ) : * - *15 U.S.C. 1681i - Investigation Requirements : * Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information. 

- *15 U.S.C. 1681b ( 2 ) - Permissible Purposes : * The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 

- *15 U.S.C. 1681a ( 4 ) - Privacy Rights : * The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 

XXXX. *Violation of the Truth in Lending Act ( TILA ) : * - *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements. 

*Request for Action : * Given these violations, I demand the immediate removal of all accounts associated with the bankruptcy record from my credit report. This includes, but is not limited to, any and all accounts, judgments, and public records listed under this bankruptcy. Failure to comply with this request within 15 days of receiving this letter will leave me no choice but to escalate the matter further. This will include : DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX XXXX Date of Bankruptcy : [ Date ] DATE FILED : Additionally, the following accounts were included in the bankruptcy : XXXX. *Creditor Name : * [ Creditor Name ] - *Account Number : * [ XXXX XXXX ] - *Amount Included in Bankruptcy : * [ Amount ] Attach. The PROOF : - Filing formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
- Pursuing legal action for the breach of my rights under the FCRA and TILA. 

This letter serves as your final opportunity to rectify this situation. Please take the necessary steps to ensure the removal of all related accounts and provide written confirmation of their removal within the specified timeframe. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution.

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