Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed incorrect information on my Transunion credit report regarding my public records showing a bankruptcy with incorrect dates. 

Transunion has come back verifying the information as accurate when clearly my PACER public records indicate the correct dates. 

This is straight from Transunion 's website : " In most cases, the Date Updated represents the last time the account information was updated or reported by the data furnisher. '' I demand to know who this " data furnisher '' is, because the public records show something different. If the data furnisher is XXXX then XXXX also has the wrong dates and that has also been disputed. 

Furthermore, there is a suffix " XXXX '' on the title name of my Transunion Credit Report. That is not part of my legal name and that suffix does not show on any of my accounts of reports. So how exactly can you verify the bankruptcy under my name if the bankruptcy does not have the suffix XXXX on it. 

Additionally, the bankruptcy on XXXX erroneously has the title name of the Trustee XXXX XXXX instead of my only legal name " XXXX XXXX '' - I have disputed this error with XXXX thus they should remove the entire thing from my consumer report. 

I am to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The following item ( s ) are incorrect and must be corrected or deleted immediately : The last Date Updated on my public records is XX/XX/year> - where Transunion is reporting the last date updated as XX/XX/year> Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate this dispute within 30 days and correct any inaccuracies.

If you fail to correct these errors, you may be in violation of 15 U.S.C. 1681n ( willful noncompliance ) or 15 U.S.C. 1681o ( negligent noncompliance ), both of which entitle me to statutory damages, actual damages, and legal fees.

Please provide a written response within 30 days confirming the resolution of this matter.

If the credit bureau fails to correct the inaccuracies, I will send a Notice of Intent to Sue demanding compensation.

Under 15 U.S.C. 1681n, I am entitled to : Statutory damages up to {$1000.00} per violation Actual damages for financial harm caused, which includes emotional stress and grievances for the humiliation of getting denied credit Punitive damages for willful violations Attorneys fees and court costs If this matter is not resolved within 30 days, I will be forced to take legal action. Please remove the inaccurate information immediately and compensate me for damages incurred. 

15 U.S.C. 1681i Right to dispute inaccurate information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate disputes 15 U.S.C. 1681n Right to sue for willful noncompliance ( up to {$1000.00} per violation + punitive damages ) 15 U.S.C. 1681o Right to sue for negligent noncompliance ( actual damages + legal fees ) Attached is the public records data straight from the court.

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