Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Response to Company Reply CFPB Complaint ID : XXXX Complainant : XXXX XXXX XXXX XXXX ) Subject : Rebuttal Experians Failure to Remove Fraudulent Bankruptcy & XXXX  Violations Remain Unresolved Dear CFPB, This letter serves as my formal rebuttal and demand for escalation regarding the inadequate response provided by Experian in connection with CFPB Complaint ID : XXXX, which concerns the fraudulent and unauthorized reporting of a bankruptcy. 

1. Experian Failed to Address the Core Complaint Experians response is procedurally evasive and legally deficient. Despite their repeated reference to a public record vendor, they failed to identify the vendor or provide any evidence or validation regarding : The source of the bankruptcy record.

The chain of custody of the data.

Documented consent authorizing the reporting of any bankruptcy in my name.

I did not file or authorize any bankruptcy, and the Bankruptcy Court has officially confirmed that it does not report consumer information to Experian, XXXX, or any credit reporting agency. 

XXXX. XXXX Violations Were Completely Ignored in Experians Response XXXX remains the primary third-party vendor responsible for sourcing and sharing unauthorized public record data, including the fraudulent bankruptcy. The following remains unresolved : Violation of FCRA ( 15 U.S.C. 1681b ) XXXX collected and distributed my personal information without a permissible purpose or my consent. 

Violation of GLBA ( 15 U.S.C. 6801-6809 ) My nonpublic personal data was unlawfully shared.

Violation of FTC Act ( 15 U.S.C. 45 ) The distribution of false and deceptive bankruptcy data constitutes an unfair trade practice. 

3. Experians Verification is Legally Invalid According to FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item that can not be verified or that is inaccurate or incomplete must be deleted. My complaint included : A court-issued letter stating no reporting occurred from the court. 

An FTC affidavit documenting the fraudulent nature of the bankruptcy record. 

A XXXX Risk Disclosure, confirming their data-sharing practices. 

Experian failed to provide independent verification, and instead relied on an unnamed third-party vendor, thereby failing their duty under FCRA. 

4. CFPB Complaint Was Closed Prematurely The issue is not resolved, and the complaint should not have been marked " Closed with Explanation ''. No corrective action has been taken by Experian or XXXX. The fraudulent bankruptcy remains on my report, causing : XXXX XXXX 

Financial harm. 

Reputational damage. 

5. Final Demands I am requesting the CFPB to take the following actions : Reopen the complaint and require Experian to : Identify the public record vendor. 

Provide full documentary verification. 

Delete the unverifiable bankruptcy and any related data. 

Initiate an enforcement investigation into XXXX unauthorized data sharing practices and continued violations of federal consumer laws. 

Forward this complaint to the FTC and appropriate state authorities for further review.

Requested Remedy ( Unchanged ) Permanent deletion of the fraudulent bankruptcy and any related public records. 

Complete removal of personal information acquired without consent. 

Written confirmation from Experian and XXXX that no future unauthorized reporting or data collection will occur. 

Monetary damages totaling {$320000.00} for : {$75000.00} XXXX XXXX 

{$100000.00} Denial of credit and financial losses. 

{$150000.00} Punitive damages for willful violations. 

I expect an immediate response from CFPB acknowledging the need for escalation. This rebuttal is submitted in good faith under the protections of XXXX U.S.C. 1681i and 1681n. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Email : XXXX Phone : 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