Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Public Record Under FCRA Legal Notice To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information contained in my Experian consumer credit report. 

Specifically, I am disputing the following item : Public Record Bankruptcy inaccurate court name and address reporting FIX OR REMOVE Capital XXXX ACCT XXXX Inaccurate credit limit- FIX OR REMOVE Citadel FCU ACCT XXXX unverifiable by Equifax XXXX how did you verify? REMOVE Citadel FCU ACCT XXXX unverifiable by Equifax, how did you verify? REMOVE XXXX XXXX ACCT XXXX unverifiable by Equifax, how did you verify? REMOVE Truist ACCT XXXX Payment history inaccurate FIX OR REMOVE Upgrade ACCT XXXX reporting as charge-off, inaccurate- REMOVE USAlliance ACCT XXXX unverifiable by Equifax, how XXXX you verify? REMOVE XXXX XXXX ACCT XXXX credit limit inaccurate FIX OR REMOVE Name Entry # XXXX incorrect name spelling -REMOVE This information is inaccurate, unverifiable, and misleading, and therefore must be removed from my credit report immediately in accordance with the FCRA and XXXX legal action initiated by the Consumer Financial Protection Bureau XXXX CFPB ). 

Grounds for Dispute : XXXX. Violation of FCRA XXXX ( b ) : Experian is required to follow reasonable procedures to assure maximum possible accuracy. Continuing to report unverified or incorrect public records violates this section. 

XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) : Upon receiving notice of a dispute, Experian must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and record the current status, or delete the item from the file. 

XXXX. Courts Do Not Report to Credit Bureaus : As established and acknowledged in multiple CFPB cases and legal proceedings, bankruptcy courts do not verify or furnish information to consumer reporting agencies. The use of unverifiable third-party data from vendors ( e.g., XXXX, XXXX scraping ) does not satisfy FCRA requirements XXXX 

XXXX. CFPB Enforcement ( Case XXXX ) : The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Experian for its failure XXXX comply with federal consumer protection laws, including systemic issues in how Experian handles disputes, XXXX verification, and public record accuracy. This case underscores a pattern of noncompliance, which further supports my demand for immediate correction. 

XXXX. Continued Reporting Is Willful Noncompliance ( FCRA XXXX ) : If Experian continues to report this inaccurate information despite being provided with this notice, such action XXXX be deemed willful noncompliance, subjecting Experian to actual, statutory, and punitive damages and attorneys fees. 

Requested Action : Pursuant to FCRA XXXX, I demand that Experian : - Conduct a lawful and reasonable reinvestigation of the disputed public record ; - Remove the inaccurate bankruptcy/public record entry from my credit report ; - Provide written confirmation of the deletion and updated copy of my credit file ; - Disclose the name, address, and contact information of the party who allegedly provided the information. 

Please consider this a formal legal complaint. If this matter is not resolved within the XXXX period allowed by federal law, I will file a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and the Federal Trade Commission XXXX FTC ) XXXX and seek legal representation to pursue my rights under FCRA XXXX and XXXX. 

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