Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am filing this complaint because both Experian and TransUnion continue to report a bankruptcy that does not belong to me. Neither bureau has verified this record with the XXXX Bankruptcy XXXX. XXXX  already deleted the same public record after confirming that they could not validate anything directly with the court. This makes it clear that the data Experian and TransUnion are using does not come from the court and can not be confirmed at the original source. The bankruptcy court does not furnish consumer records to any credit bureau. Because of that both bureaus are reporting information that is inaccurate incomplete and misleading. This is harming my credit profile and causing personal stress and financial loss. 

The bankruptcy being reported shows a case number a filing date and a jurisdiction that do not match my life in any way. I have never filed a bankruptcy and I have never lived in the district where this case was supposedly filed. The filing date and other details have changed across different reports which violates XXXX accuracy rules. These changes alone prove the data is inconsistent and unreliable. Experian and TransUnion are not maintaining reasonable procedures to ensure accuracy as required under FCRA 1681e b.

I disputed this item directly with both bureaus. Neither investigation addressed the core problem. Neither bureau verified anything with the original court. Neither provided a certified court document or proof that this filing is tied to me. Their reinvestigation results ignored the evidence I provided and allowed the public record to stay even though it can not be verified. This violates FCRA 1681i because a reinvestigation must confirm the information at its source. If the source can not verify it the item must be deleted. 

Both Experian and TransUnion also failed to give me the source they relied on to verify this public record during reinvestigation. If they relied on a third party vendor instead of the court then they still did not meet the standard required by law. The FCRA requires actual verification not blind reliance on outside data. By continuing to report information that is inaccurate and unverifiable both bureaus are also violating FCRA 623.

I have made every effort to resolve this directly with the bureaus. They ignored the fact that Equifax deleted the same public record because it could not be verified. They ignored the fact that the court does not verify consumer information for credit bureaus. They ignored the conflicting dates jurisdictions and case numbers. At this point the only conclusion is that Experian and TransUnion are knowingly reporting unverifiable information. 

This false bankruptcy continues to damage my creditworthiness. It has affected my ability to qualify for credit and housing and has caused emotional and financial harm. Both bureaus have had more than enough time and documentation to correct this mistake but have refused to take the required action.

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