Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint against Experian for its willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) in connection with the continued reporting of a XXXX  XXXX bankruptcy on my credit file. 
On XX/XX/XXXX, I mailed a fully documented dispute package to Experian, including copies of my government-issued photo ID, Social Security card , and proof of address. In that correspondence, I specifically requested that Experian : Identify the source that certified the accuracy of the bankruptcy reporting. 
Provide the supporting documentation used to verify the bankruptcy. 
Supply the contact details of the certifying entity, including address and phone number.

To date, Experian has failed to provide the results of its reinvestigation or any evidence of verification, as required under FCRA 611. Instead, Experian continues to report incomplete and unverifiable information. 

Disputed Bankruptcy Item as Reported by Experian XXXX : XXXX XXXX CT TX XXXX Type : XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Date Settled : XX/XX/XXXX Liability Amount : Unknown Official XXXX  Case Record ( Case No. XXXX ) Court : XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Filed : XX/XX/XXXX Debtor Discharged : XX/XX/XXXX Case Terminated : XX/XX/XXXX Trustee : XXXX XXXX XXXX : Standard Discharge Case Closed Parties : XXXX XXXX XXXX XXXX XXXX XXXX Reamer Errors and Deficiencies in Experians Reporting A comparison between the XXXX  record and Experians credit report entry reveals the following serious discrepancies : Omission of Court and Case Number : XXXX identifies the case as No. XXXX filed in the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX 
Experian omits both the official case number and specific court location, rendering the record unverifiable. 


Missing Trustee and Party Information : XXXX clearly lists Trustee XXXX XXXX and the debtors XXXX XXXX XXXX & XXXX XXXX XXXX. 
Experian fails to provide any trustee, attorney, or party details, making the report incomplete. 


Reference Number Discrepancy : Experian lists only an internal reference number ( XXXX ), which is not an official XXXX  reference. 
Without the correct XXXX  case number, the record can not be verified against the public court filing. 


Incomplete Case Disposition : XXXX confirms the case was Standard Discharge Case Closed on XX/XX/XXXX. 
Experian simply lists discharged without reflecting the case status, closure date, or disposition details, which is misleading and incomplete. 

By reporting incomplete and unverifiable bankruptcy information and refusing to provide documentation of its reinvestigation, Experian has : Caused continued damage to my credit score and creditworthiness ; Resulted in loss of financial opportunities ; Created emotional XXXX  due to the prolonged reporting of inaccurate information.

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